i got with my now husband 2 years ago .. before i met him i had no debt at all. since with him he pesuaded me to get credit cards in my name as he allready had lots of debts and wouldnt get them. so we had a card each ..but he mainly although i did spend some ran them up to the limits. i had 4 cards in all .. so i got a loan from the bank to clear the cards so there was only 1 interest. and he payed the card debt and the loan each month. we got married last august i havent changed my name in the bank or credit cards.. and the credit cards were soon back up to the limit again. so i got another bank loan to clear them. 2 are gone compleatly . 1 got 500 on and the other i just payed 2500 off as there wasnt enuf to pay them all. they would only lend me 16400. im overdrawn again 2000 also as my husband swapped jobs and they didnt pay him what he expected.. i checked my credit card statement and he had drawn over 600 in cash over a period of 2 weeks. i did my nut and now have decieded im not putting up with it anymore . he lies comstantly..ive told him to leave and he is going next week . i live in a rented house got 2 kids that are not his. i work nights and have a car worth about 1500. but need it to go to work. as the debt is all in my name i am liable . but he has always paid the debts.. but when he leaves he wont pay them as he gota pay rent on his house and live himself... i dont earn enuff to pay any of it . my rent is 100 per week and i only bring home 194pounds. i get child tax credit . but i have to reclaim next week when he is gone .so i dont know how much i will get but at the minute we get 49pounds a week. but that is all i get money wise . i know people that have done bankrupcy and are glad they have done it. but is this my only way out to start a fresh .