The responsibility for paying off debts following a separation depends on when they were incurred and who benefitted from its use.
If money was borrowed before a break-up and was only used by the applicant, then that individual is responsible for that repayment.
However, if a loan was taken out by one partner but both shared the benefits, such as a home improvement, then both will be held responsible.
Credit card debts are the sole responsibility of the named individual on the account and additional card holders will not be held liable