72,000 in debt split between me and my ex

Hi

So I owe 71k to BOI after a house I purchased jointly in 2008 with my ex was sold at a loss

I need help on choosing the road to go down, me and my ex don’t speak and I’d like to know what to do and get advice.

So as I said above the debt is split my share would be 36k I don’t have the cash to pay it off and I’ve just had a son so money isn’t exactly flush but I’d like to put this behind me, if I was to speak to a pip practitioner what would my options be? Can you do a short pip and...

72,000 in debt split between me and my ex