Importer makes some really good points. My job is helping people go bankrupt in the Uk as most on this site know, but you cannot always make circumstances fit the solution you want and also, sometimes the best solution lies at home.
From what you say buying the house in your name should not give your partner any right to any equity in that property in the short term. As long as he doesn't contribute to the payments on any mortgage you might take out or the up keep of the property or improvements, i cannot see how most importantly his creditors could infer he has an interest.
As for whether he should go to the North. Of course he can. But it is not easy to go bankrupt in the North. From extensive experience the Judge there starts with the view that an Irish application for bankruptcy is founded on a tissue of lies and fabrication. It is for the applicant to break that down.
I have got every single one of my cases through but it can be a hard and brutal 40 minutes in front the Judge.
Actually I think she is doing the right thing in being tough, as she has rules to uphold.
In your partners case, he will need to move live and work up there. He will need a panoply of evidence that his life is in the North.
He might continue to have a relationship with you, but to all intents and purposes when he applied it would be on the basis that he was single. Indeed he might be if he wasn't reliant on you to put a rook over his head.
Does he really want to go through all that though for £100,000. Many do I know as they simply can't take any more.
There will be a solution of sorts coming, sometime in the future, which in your partners case will probably be along the lines or paying what he can afford for a period of time. If he completes that programme, the balance of the debt would be written off. It may take five years, but at least he can do that without moving country.
Steve Thatcher
www.debtoptions.ie