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Separation advice please

  • 22-08-2011 5:06pm
    #1
    bokkie23
    Closed Accounts Posts: 8 ✭


    Hi,

    I'd just like to get some advice as to what I need to do. Myself and my husband have separated. He moved to Australia in February to seek work, and I stayed here in Ireland in our negative equity house, with all our other debts.

    For various reasons he failed to send any money home to me so I have been really struggling. Went out to visit him in July and we agreed to separate. He is not coming back to Ireland, as he is not originally from here anyway. He promises to send money to help me pay off our joint debt. But I really can't see it happening.

    I can't afford a lawyer, can't afford the mortgage and can't afford to pay off our debts. I am in full time employment, but can't cope on my own. I am trying to let a room in my house, but as it is still partly unfurnished, it is proving difficult.

    What can I do? He has no money and no job currently so I can't chase him for help. I am so scared I'm going to lose my house.

    Can I get any help or relief with paying the mortgage? Who should I go to for advice that I don't have to pay?

    Any information or advice would be greatly appreciated.


Comments

  • #2
    Ickle Magoo
    Closed Accounts Posts: 17,485 ✭✭✭✭Ickle Magoo


    Hi there OP,

    Get yourself down to the bank that you have your mortgage with and explain the situation - they may well allow a reduced payment or moratorium. The current financial situation means a lot of people are struggling and the banks have been forced to look much more kindly on those people.

    Second of all - contact whomever your debt is with and explain the situation to them, ask if you can renegotiate payment. With so many defaulters and those struggling, they may be open to being a bit more flexible.

    Lastly, make an appointment with MABS and they will help you go through your finances and see what cuts and changes can be made so that you don't lose your home or can't put food on the table.

    All the very best. :cool:


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