Working 7 days, in debt and desparate

[redbetty]

My husband had run up quite a lot of debts and continues to ignore all the letters from banks etc. They are now implementing court action. What should I do? All the letters are addressed to him but we own the house jointly. I also run a small business, a shop. My husband is listed as a director purely so we can use his tax allowance and I allocate a small sum a year to his name as he hasn't worked for 3 years. My husband is plainly entering some sort of depression about the debts yet is living in cloud cookoo land and won't make much effort to get a job. I now have to work in my shop 6 days a week (sometimes 7) just to try to create enough juggling money and feed our 3 children.
I am exhausted, worried and at the end of my tether. I can't really get anywhere trying to discuss matters with my husband as he gets very angry and starts throwing things around etc. Most of the time I want to leave, although underneath it all I do care for my husband but can't seem to motivate him to face things and get a job and try help and pay for life and clear the debts. Anyway I don't think I can afford to leave. I certainly haven't got enough money to take advice from a solicitor.
If anyone has any suggestions or advice I would be greatful. Thankyou

[tigwig]

I would try the CItizens advice bureau they will be able to help you. Also you are entitled to 30 mins free legal advice with a solicitor as anyone is

[ceedee1951]

I agree with previous respondent. Citizens Advice Bureau or a free consultation with a solicitor. If you can get your husband to see a doctor about his depression/ill health-you maybe able to get a 'power of attorney' on your husbands medical grounds-to sort out your financial affairs. This would then leave it up to you to sort out the finances!!

[froggequene]

I think you need to be completely selfish & think about yourself and your children and what's best for you.

If your husband is suffering from depression, until he takes matters into his own hands there is nothing you can do for him - you and your children shouldn't have to suffer through it.

The most important thing is to secure the house, if that's not possible look into alternative options & find out what the implications of naming your husband as a director in your business are.