My SO has major debts, about 15000 Euro. I tried my best during the vetting stage, but he was so thoroughly addicted to gambling with stocks that he took it way underground and I found nothing alarming. Then years later I was informed of this debt and his problem. By the bank that wants to pawn some things. This was 3 weeks ago. Since then I took over the finances, secured my nest egg so he has absolutely no access and plan how to go about reducing his debt via cutting out unnecessary expenses. I am actively looking to downsize a lot, and to raise my income by offering remedial tutoring in History, German and math. I raised the topic of him attending financial management or Debtors Counseling. But he does not see the problem and refuses. I am at my wits end.