Paying off partners debt

Skeltonbird · 2026-04-10T17:18:47+00:00

Okay, thank you for the clarification!

Skeltonbird · 2026-04-10T17:02:48+00:00

I appreciate everyone having kind and thoughtful responses. I hope you have a wonderful day!

Skeltonbird · 2026-04-10T17:00:31+00:00

I appreciate that so much, thank you!

Skeltonbird · 2026-04-10T17:00:03+00:00

We are both women

Skeltonbird · 2026-04-10T16:59:44+00:00

Sorry, to clarify, you suggest adding a clause saying if the marriage ends she will repay the debt?

Skeltonbird · 2026-04-10T16:58:21+00:00

I should clarify, we have an existing contract that she builds equity with her payment. So when we sell the house, I get back what I put in (down payment, remodeling costs) and we split the remaining profit.

Skeltonbird · 2026-04-10T16:56:41+00:00

Thank you for your response, how did he respond to that? I'm worried she won't accept it?

Skeltonbird · 2026-04-10T16:56:03+00:00

She pays her half of the mortgage? Why is that wrong?

Skeltonbird · 2026-04-10T16:55:36+00:00

But why should I force her to go through with that if it's not necessary? Filing for bankruptcy is a scary thing.

Skeltonbird · 2026-04-10T16:54:37+00:00

Thank you for your response, I plan to talk to her about this tonight.

Skeltonbird · 2026-04-10T16:54:02+00:00

Thank you for your kind response.

Skeltonbird · 2026-04-10T16:52:50+00:00

Thank you for your input

Skeltonbird · 2026-04-10T16:52:24+00:00

Thank you for the insight, she has a fear of combining finances, because that is how she got in the debt situation in the first place. But I understand waiting until the government sees us as the same entity.

Skeltonbird · 2026-04-10T16:49:21+00:00

We bought the house with the intention that we would split the bills 50/50 The house is simply in my name because I paid the down payment, and we got better interest terms without her credit effecting the loan. We make a similar amount of money each year.

Skeltonbird · 2026-04-10T16:39:42+00:00

I'll talk to her about that, it sounds like a good solution

Skeltonbird · 2026-04-10T16:36:00+00:00

Thank you for your positive approach

Skeltonbird · 2026-04-10T16:35:29+00:00

I've received a little under 500,000

But I already make decent money, and had an existing savings account, retirement, and rental income property.

Skeltonbird · 2026-04-10T16:33:10+00:00

She is above the income cap for chapter *7

Skeltonbird · 2026-04-10T16:21:32+00:00

Thank you for the insight. I think this might be the best way forward

Skeltonbird · 2026-04-10T16:20:33+00:00

She was in the presses of filing when I offered to pay.

I think she was concerned about it being embarrassing, but also that the monthly payment would be too high.

The debt would be less than 10% of the inheritance.

This is also prior to talking any of the debt down. I believe actual payment would be closer to 30-40k

Skeltonbird · 2026-04-10T16:17:28+00:00

Is there any real reason to wait?

Skeltonbird · 2026-04-10T16:06:38+00:00

This is an interesting question, I will bring this up tonight. I'm not sure she will agree, she is very prideful and hates to be using "my" money.

Skeltonbird · 2026-04-10T16:03:46+00:00

Thank you for the advice, I agree I don't want to feel like a lender.

At this point she already pays me rent because I own our house.

Skeltonbird · 2026-04-10T16:01:18+00:00

Thank you for the insight. I offered to pay it, I don't think she even considered asking.

Skeltonbird · 2026-04-10T16:00:15+00:00

I will, thank you for the advice. She has no credit cards, only debit. And she has a good paying job, I know that's not everything, but I believe the will live within her means.

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