Hi guys, thanks for popping in with some good advice.

I'm really down today in relation to some new financial info that I just found out.

As you know, my H and I are struggling to cover the mortgage, credit card and school fee debts that we have. They are pretty much crippling. I have had to borrow money from my parents and inlaws to get by.

Today I discovered that in the last few months, H has overdrawn massively on all the credit cards in his name. He is spending like there's no tomorrow - literally!

And what is he spending on? - high-price restaurant meals, expensive chocolates, bottles of champagne (not to mention flights interstate and hotel accommodation).

It is sheer madness. I suspect that he has actually lost touch with reality- not just in an MLC way. But then it occurred to me that he might be trying to go bankrupt. Just before he files for D - as a strategy to avoid having to pay half of any of our shared debt.

I'm really at a loss as to how to deal with his spending. In a sense, it's none of my business - we are separated. BUT, we have such large outstanding debts that are incurring interest rates above 20%.

Perhaps this is still just what mlc creates and nothing more (i.e. not a clinical condition, not a cold-blooded attempt to void paying in the longer term).

So very confused and unsure.