Re: Restructor after seperation
what you are paying in home heating, eircom, bins and sky towards your ex is outrageously high. They must be on the full Sky package with all sports and movie channels, filling the dustbins weekly with 2 tonnes of popcorn tubs, while having a home sauna and chatting with australian cousins. Get these reduced and you are saving. They are the immediate things and unless they are specifically included in a court order/maintenance agreement they are do-able. Then sort out your debt, reduce the loan outgoing by extending the term - you have a liquidity problem so paying them back early will only exacerbate that. Then you you need to tackle the mortgage payment for the ex, you will need more info and possibly on-the-ground advice on that.
You could also have yourself declared bankrupt and that would sort everything as you could petition the courts in relation to setting aside the maintenance order-would be a cynical move and a silly one but it is an option.