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Child Support Broke Me. Can’t Pay My Bills Now. – Justin

“Dear Steve,

Recent child support took my financial cusion away that I had for years an years. I’m not saying it’s wrong, but I accumulated my debt, when I had the funds to keep my payments up to date and when the support kicked in, I no longer had a cusion and yet, I still had the debt. And now my credit is suffering. I had to pay a few late and my score plummeted to barely over 600. I am a single male in my late 30′s.

Is there anything like a government grant that could help me pay off the debt, while possibly bettering myself in the process? IE. education, business. I am an Illinois resident, FYI.

Justin”

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The Answer

 

Dear Justin,

Let me sum this up for you in lay terms, “you’re screwed.”

There is no grant to bail you out of your debt so you can meet your legal obligation to pay court ordered child support. The government stance is if you can’t pay your bills after you pay your child support, you better go bankrupt.

This is a situation that happens daily.

A good friend of mine is drowning under the burden of child support. To make issues worse, every time he makes more money the court raises his child support and then makes it retroactively effective.

I believe in child support and think that it has many beneficial sides to it, but it is for the kids, and they should come first.

It sucks, I know it, but a trip to a local bankruptcy attorney is probably the best course of action for you. And just to be 100% clear, bankruptcy will not terminate, adjust or eliminate your child support payments. It will clear your other debts so you can make room to pay the child support.

Please update me on your progress by posting updates here in the comments section of your question. I’m very interested in how this works out for you.

Big Hug!

Child Support Broke Me. Cant Pay My Bills Now.   Justin
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Child Support Broke Me. Can't Pay My Bills Now. - Justin by

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About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • J09

    Yep. To put it not so eloquently, you’re f**cked. If it’s any consolation, there are many others in your situation. Also, mortgage and debt holders are very aware of the child support problem, and will recognize it as a financial hardship, much like a job less or medical catastrophe. They will forgive your debts for you in most cases so you can pay child support.
    Hope this helps, good luck!

  • RGW

    The children do not receive the money. The state government keeps it. My ex told me she never received any child support from me. But, the money was taken directly out of my pay check for 14 years. What people don’t no. Is the non- custodial parent is being reaped off by the laws per states and the children are paying the price by not being able to be raised by both parents. because the non-custodial parents check is chopped 70% total and can not survive with 30 dollars to 90 dollars a week. its just not possible. . So, that person ends up living in the street, can not take care of their children do to lack of money because of these laws. Then the state involved goes ha ha ha, now we can burn the parent even more by the interest for lack of payment. Screw the children and the non- custodial parent. The only winner is the state collection agency involve. This is the truth. Not the other parent don’t pay their obligation. They receive the money. Lies are given to the world. Everybody needs to no the truth.The system is set up for collecting interest for lack of payment. This system never worked. 1.2 billion non- custodial parents go threw this every day. Do you know how many are on the street, probably most of them. I need to investigate more on that subject. I don’t know.
           I went to court to try to modify my court order. My monthly income  was only $460.00 month. My monthly payment was already $545.00, instead of working with the money i earn the judge raised it to $2500.00 a month. Its B.S.  I just need the world to no. I payed all i could and my family suffered because one parent was missing all because the state needed money to pay their employee’s. The world is fooled my the using the children in vein.
    ( For example: The children first, the kids loose out.) I can make you think i don’t pay child support. Just say the parents a dead beat.  They want more then the parent makes. No, it should say how much can we steal from the childs non-custodial parent. Its wrong and my children are in their middle twenties and don’t speak to me because their mom said i didn’t pay. Its sad my children are missing their fathers love all because of lies and thiefs. Whats wrong with this world? im tired. im going to sleep.

  • Mousey2185

    so why dont the courts take your living, bills, basically your life into consideration before assisting how much to pay in child support? i pay 50% of my check witch is not much, and now i lost my apartment and car because of child support. is there any laws that help people who pay support? and why do they keep talking about fixing the system if they dont plan on fixing it? people keep dieing and getting locked up over child support. they seem to fix everything but child support laws and issues. they spend millions in hong kong to study the male prostitute and not help people over here. illegal emergents have it better than legal americans.

  • Mousey2185

    so why dont the courts take your living, bills, basically your life into consideration before assisting how much to pay in child support? i pay 50% of my check witch is not much, and now i lost my apartment and car because of child support. is there any laws that help people who pay support? and why do they keep talking about fixing the system if they dont plan on fixing it? people keep dieing and getting locked up over child support. they seem to fix everything but child support laws and issues. they spend millions in hong kong to study the male prostitute and not help people over here. illegal emergents have it better than legal americans.

  • Pvicicondi

    the kids should come first , and yet , the courts do not monitor the spending of the money sent to the custodial parent. there should be an audit or type of review to make sure money is for the kids and not spent for alcohol, drugs and other personal , selfish use. the state of illinois sucks at monitoring custodial parents and is really good at screwing anyone who pays their support faithfully and without regard to their ability to support themselves. DHFS is also a a waste of time when you notify them of an abusive custodial parent who does not tend to their children. the whole system is corupt. i know why people go into hiding when it comes to child support.

  • Pvicicondi

    the kids should come first , and yet , the courts do not monitor the spending of the money sent to the custodial parent. there should be an audit or type of review to make sure money is for the kids and not spent for alcohol, drugs and other personal , selfish use. the state of illinois sucks at monitoring custodial parents and is really good at screwing anyone who pays their support faithfully and without regard to their ability to support themselves. DHFS is also a a waste of time when you notify them of an abusive custodial parent who does not tend to their children. the whole system is corupt. i know why people go into hiding when it comes to child support.

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