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I live with my boyfriend in a shared house and I am looking at going Bankrupt. I owe probably close to 30k and I can't do an IVA as not in permanent work and all I have been able to get lately is temporary/contra t jobs so can't commit to the £260pm that Debt Free Direct wanted me to sign up for.


If I go bankrupt will they take into acount his wages even if all of my dets are in my name and we don't share our money. There are 4 people in the shared house and we all pay an equal amount of the rent and bills split 4 ways.


The other problem is my name is not on the lease because my credit is so poor and I couldn't get a guarantor that the letting agents wanted.


Any help would be very much appreciated.



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Hi, they will take your boyfriends income into account, ie you need to put it down on the forms, but only to the extent that they will expect him to pay a far share of the household bills, if he is already doing this then there should not be a problem, they wont expect him to pay towards yor debts

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  • 2 weeks later...

I Mich

Debtinfo has given some sound advice there, I would just clarify that if the bills were solely in your name, they will be written off due to your insolvency.


If they were in joint names, it is likely that the supplier/creditor will hold your parter liable for any outstanding monies.

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