Hi Changling
The Personal Insolvency Bill is only for those who are insolvent. It is not for people who are "under financial pressure".
To qualify as insolvent, you must be unable to meet your payments as they fall due. Is this the case?
Unfortunately, the Act has done nothing for people like you who are acting responsibly, but who are jointly and severally liable with someone who is insolvent or jointly and severally liable. In fact, you are probably in a worse position after the Act is passed as your husband could opt for bankruptcy which copperfastens your liability for the loan.
The UK bankruptcy regime is much more user-friendly. You could either avail of this or threaten to avail of it.
If you are agreeing to repay €100,000 on your own, I think that the bank should be delighted with this. I say "should" and not "would".
What is your current salary?
Is going to the UK an option?
What is the interest rate on the mortgage? If the bank got out of a cheap tracker, you could argue that they should give you a discount to reflect their savings.
Which bank is it?