Brankruptcy is not something to be entered into lightly. The fact that your DP has already had these sort of issues, has huge warning bells! He is NOT the person to be taking financial advice from - no matter how much you love him. If you declare brankruptcy with him, you will be ruining your financial record. And although many see it as an easier solution, it is not easy! And the affects can stay with you for life. I know $3000 can seem like an insurmountable amount, when you have nothing - but with good budgeting you should be able to work something out.

The first thing you should do is ring Fox Symes and make an appointment to go in and chat with them. Find out exactly what your financial situation is and what your options for dealing with it are. This is what they deal with, and they are good at what they do. There are also financial services you can access, attached to various charities - such as st vinnies and the salvo's, but seeing as he already has an outstanding debt with fox symes and they have a stake in the matter, then I would think they would be your first port of call.

The second thing, I would be doing if I were you, is to take control of the finances. Many people are simply not good with money and your DP has a track record that indicates he is one of these. I am not trying to have a go at him, he is most likely a fabulous guy, but he just cann't handle his finances. You need to know what is happening financially and be in control of it, otherwise, when you do get this mess sorted out and leave things the way they are, then you will quickly find yourself back in the same situation - and if you have already used the bankruptcy card, then you might find yourself in some real trouble.

seven years is along time, and I think you owe it to yourself to try everything you can to resolve this.


Good luck with it all.