Thank you for your question.
If your divorce has not been finalised you will have to apply for debt review together. When you are married COP you only have one estate. This is the case with debt as well. The both of you together are deemed as one person and you cannot act independently irrespective of who signed for what. Therefore if you are still married it will be a joint application and all the debt will be thrown into one pool. Your income will also be joined in the calculations and the payment of all your debt will commence jointly through one single instalment.
If your divorce has been finalised you can apply for debt review alone. For more information you are welcome to fill out our online contact form. Once submitted a DebtSafe agent will contact you to discuss your options going forward. Click here for the contact form: http://debt-safe.co.za/