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Home > Ask The Get Out of Debt Experts > I Want to Join My Husband in the UK, But My Debts. – Frost

I Want to Join My Husband in the UK, But My Debts. – Frost

“Dear Steve,

Typical story for this place. Just loads of cards, loans. I come to the stage when the income is lower than the money I pay every month to keep things going. I am not earning any more. I am paying the banks. Thats the background story.

I have been here for about 10 years now. I got a car loan, couple of personal loans and few credit cards. It didnt bother me much till recently. I got married to a british guy. He left for good. Now he is in the uk. We got married in one of the commonwealth countries so our marriage would be recognized in both of our countries of origin. I didnt register our marriage here. He is desperate to get me to the uk, and i want myself to be with my husband. But the debts… I dont know what will i have to go thru. If I join my husband there, I have to work. Its my nature. I cant be a housewife. I am a very active person. That means I need work permit. I have got few questions Steve. First, I am not sure if I resign here, they will block my account. Most probably, I will have to run. My husband is coming to apply for wife/settlement visa for me. Is there a chance I will be issued one? Do they do any checks with banks here beforehand? And finally what a re the chances of peaceful life in uk afterwards? I mean, i dont need any problems with immigration or getting a work permit there. Will the banks look for me there?
Your advise is highly appreciated.

Thanks

Frost ( sorry, but im not im not sure yet if i want to disclose my name )”

The Answer

Dear Frost,

Ironically this is a situation I am very familiar with. Having lived in the UK and having had U.S. employees in the UK getting married to UK residents.

I’m just going to go with the assumption the primary goal here is to move to the UK and be with your husband.

Here is what you do. You click here to find a local bankruptcy attorney and file for bankruptcy to terminate your unmanageable financial obligations in the U.S. You really don’t have much of a choice. You see when you move to the UK there will be a period of time, probably about 6 months where you will not be able to work. You need to secure permission from the Home Office and they are not exactly speedy.

It will be much better for you to have a bankruptcy, which you can explain, rather than a legal record of being sued by creditors and losing.

If you want to move to the UK, which I totally get, then you need to accept responsibility for the financial mess here, deal with it by filing bankruptcy, and move to the UK.

The process of proving your marriage there isn’t hard, it’s again, just time consuming. Make sure you have original copies of your marriage certificate.

This will all be a hurdle to get over but it is possible. It will take a bit of time but in the end you will be with your husband and you will not be chased by your creditors back in the U.S. if you file bankruptcy.

Get the bankruptcy process moving forward now and tell your husband to get the paperwork in motion for your marriage visa in the works BEFORE you enter the country. You’ll need entry clearance before you enter the country if you have not lived together for more than four years outside the UK. For more information on the UK spouse via, click here.

Please update me on your progress by posting updates here in the comments section of your question. I’m very interested in how this works out for you.

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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.
  • Frost

    Thank you Steve.
    Appreciate your time and effort.

  • Frost

    Thank you Steve.
    Appreciate your time and effort.

  • Steve Rhode

    I thought you were in the U.S. In that case you’ll need to get out of the GCC and especially Dubai or UAE before you default on your debts. Otherwise, you might wind up in jail there.

    Get your husband to see if he can find a way to expedite the spouse visa.

    Steve

  • Frost

    Hi Steve.
    Thank you for your reply but…There is no such thing as bunkruptcy in the GCC countries. I would love to do it, but it doesnt exist here. Please tell me what kind of problems I might face in the UK with such brackground. I dont want to have any trouble in the country I probably going to move.

  • Frost

    Hi Steve.
    Thank you for your reply but…There is no such thing as bunkruptcy in the GCC countries. I would love to do it, but it doesnt exist here. Please tell me what kind of problems I might face in the UK with such brackground. I dont want to have any trouble in the country I probably going to move.

    • http://GetOutOfDebt.org Steve Rhode

      I thought you were in the U.S. In that case you’ll need to get out of the GCC and especially Dubai or UAE before you default on your debts. Otherwise, you might wind up in jail there.

      Get your husband to see if he can find a way to expedite the spouse visa.

      Steve

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