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Morning All,

 

To cut a long story short, my fiancee (and mother of my 2 young children) informed me on Friday that she is struggling, behind on 3 (or 4) credit accounts, no way to catch up and is finding that daily calls have pushed her to the point of admitting she has issues financially.... She has given me a figure of approx £13K (all unsecured)

 

We live together and ALL Household bills (except the gas) are in my name, including the mortgage.

 

I am finally "just about" on top of my credit and have consolidated to a manageable point, obviously I am concerned that due to her excessive spending (which I had NO idea about), I'm obviously going to find myself in abit of a conundrum...

 

I have advised her FIRST AND FOREMOST, to contact each creditor to see what "in-house" procedures they have in place, obviously if they arent forthcoming with assistance how concerned should I be about her taking out an IVA and "How" will it bring me to my knees?!?

 

Any help or advice would be MASSIVELY appreciated :)

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