Not surprisingly, debt can cause numerous issues at the point of divorce or separation.

As you might expect, you will be liable for debts that are in your name only, but not for those in your partner’s name only.

Debt And Married Couples

However, for married couples, debts in one person’s name that were used for the benefit of the family may be subject to division or sharing between the spouses or civil partners.

It is generally more difficult for cohabiting couples to seek the other partner to share debts in sole names, unless there is a legal agreement between them.

This is general guidance and individual circumstances will need to be checked out with a professional.

Debt And Family Court

It is not unusual for couples to disagree about responsibility for debts and they may have to take legal action to determine liability. In these circumstances, the court will look at the debt and consider how it arose, whether the partners benefitted jointly or individually, and then decide who should bear the burden of repayment.

You will find a number of resources and guidance for dealing with debt on this hub.


Financial Coach

Financial Coach

This is a relatively new discipline and as such there are no formal qualifications. They can’t offer financial advice (like the IFA can) but can offer you financial information as it relates to your situation. They will help build your confidence in financial affairs. For example, they might help you work out what your future monthly outgoings will be. When looking to appoint a financial coach you may want to consider their experience and specialism.

Learn more

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External Resources

Money Helper (Debt)

Money Helper have free information and advice for those in debt and/or with money concerns.

Citizens Advice

Debt information that can help people make the right choices.


Goof information on how to deal with your debts. Includes how to deal with court procedures.