Reply To: Husband is an addict, final straw but financial worries
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Where has your husband gone? Back to his parents? His name is on the mortgage so he is still liable for the payments, despite not living there.
Hopefully you kicking him out will be the jolt he needs although maybe not. I hope it is. You need to talk to him about child maintenance as soon as possible.
You sound like you have a good credit rating so it might be best to sell the house, buy somewhere less expensive that you can manage on your own, and then have a year of careful economising to clear your debts. It would be a shame to give up on owning now. You deserve better. I found when I split from my ex (also an alcoholic) that life can be much less expensive without a man about.
Can you go onto interest only with the mortgage until you sell? Would that help clear some of it? Call the council immediately to get your council tax reduced. Can your family help? I sold lots of stuff on eBay, stopped buying branded groceries, cooked rather than takeaways, stopped pay TV etc and it made a big difference.
Maybe talk to Citizens advice about getting the debt frozen while you sort it out. Well done for finding the strength, I know it isn’t easy x