im going through this just now,joint account requires 2 signatures to close,if they are not married its not as messy.loanns,if they are joint they will both be liable and will both have to upkeep payments,if hes got a bit of money maybe best to try and clear them 1st.im buying my wife out but we both were married and owned the house,im doing quite well as im getting everything cheap off her and a good deal on the house,thats guilt for you!best for him to stay friends to get this sorted,thats number 1 priority as fighting wont solve anything,solicitors want to make money and they see this everyday and know what happens.thats the best advice i can give!