Advertisement
If you have a new account but are having problems posting or verifying your account, please email us on hello@boards.ie for help. Thanks :)
Hello all! Please ensure that you are posting a new thread or question in the appropriate forum. The Feedback forum is overwhelmed with questions that are having to be moved elsewhere. If you need help to verify your account contact hello@boards.ie
Hi there,
There is an issue with role permissions that is being worked on at the moment.
If you are having trouble with access or permissions on regional forums please post here to get access: https://www.boards.ie/discussion/2058365403/you-do-not-have-permission-for-that#latest

Civil Partnership Question

  • 05-03-2012 12:41pm
    #1
    montzarella
    Registered Users, Registered Users 2 Posts: 127 ✭✭


    Hi,

    I have been in a relationship with my partner for over 4 years now and we were thinking of getting civil partnershipped. But I wanted to check something before we do anything.

    I have a mortgage in my own name for my house and she has one in her name for her own house. Her work has been cut down to a 3 day week and she is struggling to make mortgage payments. The future for her job does not look good. we are both currently living in my house and our preference would be to sell her house, but negative equity is an issue.

    In the event that we get civil partnered, and she loses her job and cannot pay her mortage, would the bank be able to come after me as we are civil partnered? I guess what I am asking, is do her debts become my debts once we marry? im hoping not as I cannot afford two mortgages. just wondering if we should put off the civil partnership until we know better what is going to happen with her, she is job hunting to but its not easy out there.

    Thanks to anyone who can advise.


Comments

  • #2
    dermot_sheehan
    Closed Accounts Posts: 2,062 ✭✭✭dermot_sheehan


    You don't become jointly liable on a mortgage simply because you are civilly partnered. If she however has any debts, and you currently or subsequently jointly own any property, the creditors can come after the jointly owned property and seek partition and sale.


  • #3
    montzarella
    Registered Users, Registered Users 2 Posts: 127 ✭✭montzarella


    thats that i was thinking, i had not heard of it happening before and just wanted to check. I figured that as her mortgate was in her name, that its her problem, so to speak.

    Not that I dont love her mind! if the worst happens and her house is repossessed and a sale forced, at least we have mine to live in. We will be just about be able to manage on my salary... just about. If her bank were to come after me for her debt, we would be in big trouble then.

    Civil Partnership bells it is for us ! :D



    *dont worry......no 20k wedding for us...us, 2 amigos, dinner and drinks..€300 should cover it!


Advertisement