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Do I need to include my partner?

When dealing with debt, deciding whether or not to include your partner is an important decision. You don’t automatically have to include your partner. If you have debts in just your name, you are the only person who has to repay them. Your partner does not legally have to repay your debts. This does not change if you decide to deal with your debts together, or if you are married or in a civil partnership. If you live with your partner, it can be easier to do a financial statement together.

If you decide not to include your partner in your financial statement, think carefully about how you show what you pay towards household bills and living costs. This should be fair and reasonable.  Depending on how you and your partner organise your household finances, you may want to add a note to your financial statement to explain to your creditors how you have worked out the amounts.


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