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Hello. I am Ed, a Solicitor qualified in England & Wales with over a decade’s experience in the legal profession advising clients.
I specialise in Commercial Contracts, Business Transactions, Employment, Dispute Resolution, Personal Injury and Road Traffic Law and will be able to resolve your legal problem today.
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Your husband's debts are his and unless the contracts were entered into in joint names, you cannot be pursue for them. Any charging order obtained by a creditor will be against his half of the house, not yours.
You can check your husband's credit rating using a public record such as Experian, but they will only give an overall picture rather than details of his bank overdraft and credit card debt.
Your husband may wish to consider an Individual Voluntary Arrangement with his creditors which is a plan partial repayment of debts and not as drastic an bankruptcy.
I hope this resolves your enquiry. Please revert to me if you have any further questions and I will be delighted to assist.
Otherwise, I shall be grateful if you will please mark your enquiry as “Closed” and give me a “Positive” rating in order to conclude this matter.