Sexually transmitted debt…the debt doctor will see you now!

Sexually transmitted debt sounds extremely unpleasant…but there is a cure at hand!

In every relationship, there is usually one person who takes the greater responsibility for finances. This might mean being the one who pays the bills, looks after accounts or fills in applications for loans and credit cards.

But when a relationship goes wrong, it can be that person who is left carrying the responsibility for previously joint finances.

It’s what the experts call sexually transmitted debt but debt expert Dr Paul Moorhead, of leading insolvency practice Moorhead Savage, says bad debt needn’t be another burden of a doomed relationship.

“It’s very common that in a relationship one person will end up accruing debt, often because of something as simple as the fact that they are better at filling out forms, had neater handwriting or are more comfortable dealing with people in authority,” says Dr Paul.

“Even when it comes to paying utility bills, it will often be the same person who has everything in their name.

“That’s fine when the relationship is going well but when a relationship breaks down, that one person can be left on their own, facing the consequences of trying to cope with bills that continue to arrive even when half the household income has gone.”

The best thing to do to avoid falling into a spiral of increasing debt, Dr Paul advises, is to seek help as soon as the relationship ends rather than waiting and hoping that things will work out.

“As soon as it becomes clear that you have been left to cope with debt and your ex partner is no longer willing or able to help this is the best time to seek advice because there are mechanisms available to deal with unaffordable levels of debt,” he said.

“This could range from an affordable repayment plan with creditors or even writing off some or even all of the debt, depending on the circumstances.

“The really important thing to remember is that there is a cure for sexually transmitted debt but you do have to act promptly if you are going to avoid prolonged pain.”

To find out more call Dr Paul Moorhead and the team at Moorhead Savage on 01709 331 300 or visit