FY, I can barely afford it given what I am already paying off from the M. I am not sure what the legal position wld be on this. If it was a M debt then I wld be liable. However, given it was W acting as guarantor for her brother and he only became insolvent after S then not sure whether this wld make me liable. But as W cannot afford it either then I expect they will both come knocking at my door! If that makes sense?