If one person can’t or won’t contribute money towards a joint debt it can leave the other person in a difficult situation where they can’t afford the payments.
If you have arrears on a joint debt, any action that creditors take will affect both of you.
Coming to an agreement over joint debts
In some situations it might be easier to try to make an arrangement with the other person on how you’ll repay the debt. Because the debt will affect you both if you don’t keep up the payments, talking about this might help you agree how you’ll both deal with it.
Sometimes things aren’t as straightforward, for example if you’ve separated on bad terms or because a change in circumstances means one of you can’t afford your share of the payments. In this case you should keep in touch with the creditor and seek expert debt advice on what your options are.