Journey of me and H Part 1

[DnJ]

Good Morning PLC

I was going to suggest selling some of his stuff. Great minds think a like... Lol

I am guessing you previously have filed taxes jointly and therefore feel this non-remittance of income tax is a joint bill. That probably is legally true, since you are still together. However, the income was his, and the shortage was due to not enough being withdrawn at source. He spent it. He needs to find a way to cover it.

From what you’ve said, it sound like a smaller amount. You seem confident that a loan would be paid off in 6 to 12 months. For such an amount, leave the mortgage as is.

With H’s poor credit rating, a joint loan may not be an option. A loan in just H’s name is definitely not going to happen by the sounds of things. And a personal loan in just your name is not desirable. Your house mortgage is already an arrangement and probably could be modified, but this is not desired. Short term lending institutions are available and charge enormous interest, again not desirable.

Tightening discretionary expenses and then liquidating some of H’s hobby equipment looks to be the best of the available choices. Selling that to H might be difficult. However, don’t sink your ship before you even put it in the water. How one approaches something does affect its outcome. When reasonably discussing presenting this to H, have no expectations of him not going along with this plan. This is where we are, and this is what we need to do - is what you present. H has a bit of faith in your financial abilities, showcase them that way.

Btw, notice you are presenting this, not discussing it. MLCers are moody entitled teenagers, treat them that way when you need something done. And it is presenting, not telling or directing either.

It’s just a mess, our marriage, our finances, everything.

You said you wouldn’t get a second when he is threatening divorce, and there we are. Is he going to follow through? Is he going to come back to the marriage? I have to go on that I am standing but this may not be the outcome I want.

MLC is a mess.

Keep the business side separate from the emotional, healing, standing side. I know they get tangled at times, don’t let one bleed into the other and stain your emotions. Finances and business is the realm of intellect, do what you need to do.

As I said, you’re levelheaded. You’ll do fine.

D