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Good evening, welcome to just answer. I am one of the experts with JA.Regrettably if the debt has been secured against the property and there is a charge due to him being a joint owner the charge will not be removed unless discharged. He will have to pay it off or the lender could in deed enforce on it and look to sell the house to get their money back. Because there is a mortgage they will liaise with the mortgage provider as they will also have an interest in an sale of the property. If you have any follow up please do not hesitate to send me your follow up question. all the best.
Hi, if he does not fail to pay his agreed payment towards the debt then they will have no reason to enforce. About the mortgage yes he is liable but the problem with joint loans is that you are jointly and severally liable so if one fails to pay the creditor still experts to get their money from the other. You could pursue him for his share that you are having to pay.
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