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Home > Ask The Get Out of Debt Experts > I’m on SSDI, My Ex-Husband is Filing Bankruptcy and I Can’t Afford to Repay the Debt. – Cydney

I’m on SSDI, My Ex-Husband is Filing Bankruptcy and I Can’t Afford to Repay the Debt. – Cydney

“Dear Steve,

Thank you in advance for trying to help me with my problem:)

I am in the middle of a divorce. Now I know thats not a big issue but what is, is the debt issue, I am a disabled mother of two minor daughters.

My soon to be ex husband had to take on the debt due to the fact that I cannot work and, am on SSDI. My unsecured debt, my old credit cards are being taken care of by Care One Credit agency and, I am doing debt settlement.

But the joint debt which is about 7 loans and a total of around 35k is now in the bankruptcy fire. I called the trustee agency that my ex is using and they informed me that if the bankruptcy goes through, I will now be responsible for 1/2 and, the loan my mother signed for will go to her which that cannot be done. My ex has informed me that he would not be able to do the payment that the banckruptcy is asking for which is $890.00 a month. I may be a bitch but im not heartless and cruel one to allow my ex to not be able to survive. That would leave him no money to survive at all so, he said that he is going to have the paperwork rewritten.

My question is, how can he take care of this debt trouble which is also partly mine? I am on a very tight tight buget as is he but, the bankruptcy seems to be the right choice but than again it doesn’t! He said that he could afford at least $500.00 a month. I am so sorry I guess my question is. is there anything other than the bankrupcy that can help him as well as myself to take care of this debt? I cannot become homeless due to debt and, that is looking like what is about to happen and than I will most surely loose my daughters:(I am trying to help him so that I can protect myself. I dont think he has looked hard enough for any answers.

Thank you so much for your time.

Cydney”

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The Answer

Dear Cydney,

This is a situation I see time and time again. When there is joint liability debt and one of the account holders files bankruptcy then the other account holder is responsible for the entire debt. The reason you are called joint account holders is because you bear the responsibility jointly.

It looks like he’s just played a hand that leaves you with no option. I would suggest you talk to one of the reduced cost bankruptcy clinics near you and see how they can help you file bankruptcy for just the court costs. You can click here to find the local clinic.

Please post your responses and follow-up messages to me on this in the comments section below.

Big Hug!

Im on SSDI, My Ex Husband is Filing Bankruptcy and I Cant Afford to Repay the Debt.   Cydney
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I'm on SSDI, My Ex-Husband is Filing Bankruptcy and I Can't Afford to Repay the Debt. - Cydney by

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About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

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