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My name is Clare
I shall do my best to help you but I need some further information first
Which country does your ex live in - and are you willing to start divorce proceedings?
How much is the house in Poland worth and what does he earn?
how much is your home worth and how much is outstanding on the mortgage?
what debts are in joint (or your sole) names?
So all the loans are also in your name?
How much is owed in debts that your name is ***** *****?
How much is the house worth and how much is outstanding on the mortgage?
It is difficult when you know so little about where he is - the only slender hope relates to whether or not the house in Poland is his address for legal reasons
I am sorry - you referred to his house in Poland and I made an incorrect assumption
The problem is that the debts are in joint names and the creditors are entitled to chase either or both of you.
Since your ex is in Poland (or Germany) it will be much harder to ensure that he makes payments.
He does have to pay child maintenance and you can obtain an Order in the UK Court that can then be enforced in Poland.
The other option is for you to start Divorce proceedings based on his Unreasonable Behaviour and within those apply for a Financial Settlement - which can include an order that he takes responsibility for these two debts
I hope that this is of assistance - please ask if you need further details
I am afraid that you have to have started the Divorce proceedings first
The finances are then dealt with
The form you will need is here