Hi, My ex-wife and I had a joint unsecured personal loan of $15,000 for a car. We agreed that I would keep the car and continue the repayments. As of early this year I entered an agreement with the bank that I would pay $405 per month over 3 years without interest. We officially got a divorce on 7/4/14. My ex-wife then applied for a financial order which was granted through the Federal Circuit Court. In short, the order states that she would transfer her right title and interest to me and that I will indemnify her against all payments and liability. I have since been unable to meet the payments among other debts and filed a debtor's petition through AFSA which was finalised in April 2015. I have been advised by AFSA that I'm under the limit threshold for any amount to be issued to creditors. They've advised I'm protected against the loan but that the creditor can still pursue my ex-wife. They've also advised I can still make payments to that creditor (to help my ex-wife) if I would like to and the other creditors cannot seek any monies as a result. My ex-wife is a sole parent (we have a 4 year old Son together) with 100% custody and receives regular reliable child support. She receives FTB through Centrelink and also works another job. Can the creditor go after her? Given her circumstances is the bank likely to pursue her over a debt of $15,000 or could they possibly write it off? Can I still be made liable through the courts considering the order states that I indemnify my ex? Could my ex take this back to court? My ex has very little assets and no property, shares etc. She has a violin, piano, car and some basic home items like furniture, kitchen appliances etc. She lives in a very modest house. Is it possible they would be successful in trying to garnish wages from her? Is it likely the bank would apply for a sequestion order? If made bankrupt either through a debtors petition or through a sequestion order, is she likely to lose the violin, piano etc? Sorry, so many questions and alot of information, but I hope this is useful in providing some guidance.