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Child Support - Need advice!

SourGrapes's picture

My exDH and I have been divorced for 9 years. We have had a few arguments here and there, but we are friendly and on the same page as far as co-parenting. When I ask him for money towards school clothes, birthday parties, extracurriculars, etc. he is always willing to chip in.

However, in the the 9 years we have been apart, he has maybe given me child support for 2 of them. When my DD10 was little we split her time about 50/50 so no child support seemed fair. Since she has been in primary school (past 4+ years) she has been with me during the school week and EOW. I did a breakdown on a parenting time calculator online and I have her roughly 90% of the time. Occasionally he will take her a few extra overnights here and there, so it may be closer to 80-85%, but way more than 50%.

He does pay her health insurance premium and then we split the deductible, which is $1,000. He also pays her before and after care at the Y, which we get at a very discounted rate, so I think it's about $70 a week.

At this point, he has not given me child support in 5 years. I was in school for a good chunk of that time and so in addition to my work salary I got money from school loans for cost of living, so I was relatively comfortable. I am now struggling financially and I need his assistance for at least the next 4 months. I am going back to school again in January for an accelerated BSN. The program is 15 months and I won't be able to work, but I will have a cost of living allowance through my loans. I am going to need him to take DD10 a lot more than he is right now during those 15 months, so I'm not sure it would be fair to ask him for child support during that time although it would certainly be nice.

My exDH is 40 and lives with his girlfriend who is 28. I have no issues with her or their relationship. What I do take issue with is that apparently the girlfriend has a lot of anxiety issues and because of this has a very low wage go nowhere job. She is a hostess for a chain restaurant and has been for 3-4 years. Prior to that she was a cashier at Target. No plans to further her education according to my exDH. Too nervous to be a bartender or attempt to get into the management track. The only reason I bring this up is that I know my exDH is footing the majority of their bills. I also know that he's living pretty much paycheck to paycheck, so it doesn't feel great to ask him for money. On the other hand, it's not my fault that he's in a relationship with someone who has no desire to further herself or their financial situation. I know she wants to get married and have kids with my exDH, which concenrs me because my own child isn't being financially protected. exDH doesn't even have a life insurance policy.

The online calculator says he should be giving me $110 per week. I don't think he can afford that. What do you all think would be a fair amount to ask for? Also, is it fair for me to want to continue child support for the 15 months I am in school, even though I know it's going to create a lot more parenting work/time for my exDH?

I'd like to keep this out of court, if at all possible.

Thanks for reading. I know this was long!

Comments

Puzzled9401's picture

And it's not his fault you decided to put yourself in a bit of a financial hole by pursuing your education. That unfortunately is the price you pay for going back to school (and one of the reasons many people can't afford to do so). Ask him to pay his fair share of child support for the relative amount of time he has DD. Whether or not he carries life insurance, his gf's job, or if they want kids is really none of your business.

SourGrapes's picture

I'm not sure where I indicated that he should pay more because I'm going to school.

I am not saying that his gf' job is my business. What I'm saying is that for 5 years I didn't ask him for child support because I know that he's basically supporting his girlfriend and I know they don't have a lot of money. The fact that he pays the lion's share of their expenses may not be my business, but it's certainly relevant to the financial situation.

Puzzled9401's picture

Dup

I love dogs's picture

I think that if he can financially provide for DD, he should take a higher percentage of parenting time to allow you to focus on school.

justkeepstepping's picture

Agreed

justkeepstepping's picture

Considering what you've wrote, I think it's a huge risk to ask for child support. You two seem to have a pretty good thing going.

SourGrapes's picture

I probably won't ask him for child support at all, but if I asked for anything it would be based on actual current parenting time. I wouldn't expect him to give me CS as though I still had her full time.

ProbablyAlreadyInsane's picture

I know it's been mentioned... But a divorce happened... As long as nothing is actually harming DD his personal life and who he's dating and her ambitions really are something you should stay out of. It's not your business. He's not your husband anymore, he's just a co-parent, which means the only thing you have in common is a child and that's now the nature of the relationship.

That being said, if you need him to take DD more, depending on how often he'll have her, then it's fair to talk about CS based on that. If it reverts to roughly 50/50 then I don't think it's gonna work in your favor, you going to school isn't his business either, so talk about a new schedule with him, and if you still have her the majority of the time, then maybe discuss some kind of CS for the benefit of DD. Cuz I understand wanting what's best for her.

SonOfABrisketMaker's picture

No matter what, the child support is for your kid, not you. It's not unfair to ask him to pay for his own child.

lieutenant_dad's picture

Have you talked with him about taking her extra? If not, I would start there and make sure he is agreeable to do that.

When you say he will need to take her more, is this going to be a 50/50 split? If so, it might be hard to ask for CS if he is keeping her and paying for her insurance.

I understand that you are taking a pay cut for school, but just as him financially supporting his GF is none of your business, your financial issues are none of his. It's not his responsibility to make up the difference in your income. Now, if the custody split won't be 50/50 and he should be paying CS, I would figure out that amount, present it to him, and see if you can negotiate somewhere comfortable if that is what you want.

Would it be more feasible to switch custody and for you to pay him some moderate CS and have EOWE with your daughter while in school?

Really, it comes down to helping maintain your daughter's standard of living as much as possible. If that means your ex pays CS, then he pays CS. If it means you switch custody, then you switch custody. If you two are amicable, then talk this out. It sounds like you are going to school in order to have better and more stable employment, so he may be willing to take on CS or more custody time if it means CS disappears in 15ish months.

Basically, it's not unreasonable to ask as he should be paying anyway. However, don't bank on him wanting to "pick up the slack" because you made a decision to change your life. If he says no, you may have to go the court route for CS and then come up with another plan regarding custody.

DaizyDuke's picture

The fact that he is his supporting his GF is irrelevant. What the GF makes or does is irrelevant. Even if his GF made millions, it has nothing to do with CS.

You did the calculations and said he owes $110.00 a week. But then you say he is already paying $70.00 a week for childcare and pays all insurance premiums and $500.00 of insurance deductible. So he's pretty much already paying $110.00 a week correct? Or an I confused and not doing the math right? :?

DaizyDuke's picture

*

SourGrapes's picture

Daizy - I do not think that what his girlfriend makes or doesn't make is relevant to child support. It is relevant to the fact that I have had DD for at least 80% of the time for 5 years and didn't ask for child support because I knew that it was a potential hardship for the two of them. I was trying to be kind!

$440 x 60 months is $26,400 that I did not ask him for because I knew it would be hard for him to manage. If his girlfriend were contributing more to their finances then I may have asked for it. That's the ONLY reason I mentioned it.

Dontfeedthetrolls's picture

You figure over 25000 he would have paid. Did you subtract any of the things he did pay for but wasn't required too.

70 a week for child care? Half of the insurance premium? All the school supplies, clothing, and so on.

And ontop of that you expecting him to pick up the slack and watch the child more?

I think you need to carefully consider what you're requesting. If you go in legally demanding child support he may demand to go back to full 50 / 50 and ontop of that refuse to pay for the things he has been since he is not required to. So no child support, less time with your kid, and having to cover all this additional cost yourself.

SourGrapes's picture

The things he did pay for but was not required to? If he's not required to pay for half of what his child needs, then am I? Who is supposed to take care of her if it's not the two of us? Please tell me, in your opinion, what a father is required to pay when they have their child less than 80% of the time.

My daughter has been on his insurance for less than a year. Prior to that, she was on mine and I paid the premiums and half of the deductible for eight years. We switched to his because a specialist we wanted her to see did not accept my insurance, but accepted his.

As I understand it, $70 a week is pretty inexpensive for before and after care. Yes, he paid half of the insurance deductible, but so did I. He pays half of the things I ask him for, which is large purchases like back to school clothes, but even that was only about $100. He did not pay for "all the school supplies" or all of anything. I don't ask him for money every time I buy her a coat or new sneakers or whatnot. I do not nickel and dime him by any stretch.

He can't request 50/50 because he lives too far away from where my daughter goes to school for that to be feasible. I really don't understand why asking a father to spend a few extra days with his child a month is such a hardship, particularly when it's only for a bit over a year. It's not forever.

I have my daughter over 80% of the time and don't ask for child support for 5 years. I ask for a reasonable amount of support for 4 months and that he spend extra time monthly with his daughter for a period of 15 months and you're acting like I'm unbelievably greedy. I truly don't get it.

Dontfeedthetrolls's picture

Clothing, school supplies, after school care, extracurriculars, all of that would be considered apart of child support. You may get 110 a week then pay out 70 for after school care. End up with 40 a week with no help when you ask for it.

I'm saying consider what your asking for. Not don't do it. But whatever was in the past is in the past. It will have no impact on court and the future. You bring it to the courts and you could damage the cooperative relationship you have now with him. You say you did him a favor by not going for child support. That won't matter once you go to court. He may think buying clothes was a favor.

Sure you may think he should pay for half of the extras but once he pays child support he isn't required because that's what CS is for.

ESMOD's picture

I don't think anyone is trying to say that you are being greedy.

I think that people are asking questions and trying to put things in perspective.

Theoretically, a CS award would encompass much of what he has already been providing. So... his "half" of those expenses might end up being considered by him to be already factored into a CW award.

We see a ton of posts here about people complaining about the extras that their EX requests (or their SO's EX). The argument being "isn't that what he pays CS for?". Now, we do see arguments on both sides as to whether certain extras are or are not included in that monthly CS pmt. So.. he may well consider that all those things he has contributed to without complaint would now be covered by the new CS pmt.

Only you can answer these kinds of questions. Just how worth it will it be for you to pursue CS.

1. History is history. You most likely will not be able to recoup any retroactive support that wasn't ordered.
2. Going forward with your school, what do you envision the new share of time. Right now you think it's 80% or so.. will it be more like 60/40? 50/50?
3. Depending upon this new split of time, how much relatively do you think your state would award in a calculated CS award. Now, from that award amount....subtract the current value of what he is already covering (now.. not when you had ins.. he has it now, so that's what will count). Include all the money you get or gets spent by him on behalf of the child while she is with you.
4. So, now that you have that number... is it worth the fact that it will likely change the amicability of your relationship with him. That he won't hand over extra monies.. he probably will be a stickler to custody with the CO.
5. Your current situation will be for just over a year. Do you think that it would be preferable to go to court when you have a stronger case...ie when you have your girl with you again mostly FT vs the more even split you will have now? Also the cost of going to court now to then just go back next year. That is a financial burden on BOTH your households that I imagine neither of you can afford for a variety of reasons.

So.. in my mind, it's not that I think you are being greedy...but I'm not sure if you are factoring everything that relates to your current situation. One where you are going to need more cooperation from your EX...not less... in the next 15 months. Sometimes you can be happy...or you can be right.. not both and this situation may have a little bit of that in it.

Now... if you do.. when you factor everything your EX has been paying... and factoring in the fact that he will need to keep your DD more... find that there is some amount of CS that he should be paying, you can always approach him with the ask. But, expect that he may become less agreeable in other ways... is it worth it?

twoviewpoints's picture

Is your ex living local to you? If so, you might consider asking him to do the school year schedule where he has her Mon-Sun every other week (back to 50/50).

You said an online calculator, I assume one that has the guidelines/laws of your own state. $110 a week (appro. $440 a month) is pretty low CS for a CP with over 85% time. I'm guessing his wages aren't all that great.

Is there a present CS order? Or has it always been just something worked out between ex and you? A child is entitled via state laws to have both parents supporting them. If you were to go through the state and ask for a CS review and order. You mention overnights, so I will assume your state credits/counts overnights, also both parents income (or their potential for income). I'm not sure a drop in your own income voluntarily to attend school counts as a drop in income on your part. I'm in no way saying you shouldn't go to school and thrive to be all you can be, but some of what you are asking might be better run by a lawyer in your state that knows your guidelines/laws and in and outs of how CS is set (what counts and doesn't) in your state.

Being laid off, mandatory downgrade , a new disability and other types of circumstantial unavoidable income loss may not be considered the same as quitting your job to go to school would be. It is still your responsibility to support your share of the child. Yes, I realize you are and have been but you are now entering different territory where you will not be working and wanting ex to keep the child more. This is where going through the state might be your best and most fair option.

Your desire to pursue a higher degree, Dad maybe wanting to have additional babies, ex's GF's income or job or lack of really don't likely have a place in the legal calculating of your state CS. Those are all personal choices that have nothing to do with what the current child is entitled to and entitled to by both parents.

I suspect you will get various replies with various answers. All I am saying is go through a lawyer so you know exactly what to expect and how CS would/should be calculated for your daughter.

Also, whatever the time spilt and custody arrangement will be, should be filed even if only planned for 15 months. Having current filings protects both your ex and yourself. For example, I'd hate to be your ex to perhaps one day wake up and find he should have been paying CS for all nine of the years not just two because original CO/CS order had never been changed and filed.

mommadukes2015's picture

I have a few thoughts on this.

I'll get the house keeping out of the way first:

GF's mental state and work situation is NOYB. How exH splits his finances is his problem.

You can't draw blood from a stone. If you know DH can't provide what you're entitled to, and you are entitled to it, then you have a decision to make. Either you want him to pay it to help stabilize your home-and you could do this completely and totally without guilt because it is how the law works and your daughter is entitled to that money-BUT you may also risk his not being as available either because the relationship sours and he's not feeling inclined to help you out and/or he has to work more to meet his support obligation. Are either of those things nice? No. Are they fair? Also no. Unfortunately it's one of those sucky situations you find yourself in as an adult and you need to think long and hard about what you need and how you need it.

Now, with those things out of the way, you are choosing to go back to school instead of work or school will severely limit your ability to do so. Take it from someone who has been there-the risk does not always justify the return. If you quit working to go to school, you see that as more of a justifiable reason for not working and not providing the sustenance that you have become accustomed to. But unlike GF you are doing it expecting a larger return in the end in the form of a better paycheck and a more stable life. It makes sense.

HOWEVER (please note the caps) any job requiring a BSN is going to also require experience working in the field. It's not one of those things where you can graduate and slide into an entry level positions because BSN's are not entry level nurses. Even if you get your BSN if you have no experience as an RN you will be working RN jobs until you get enough experience to sit in a position of a BSN. This means that when you graduate BSN program, if you do not work as an RN first for some time, you will have to work at an RN salary paying for a BSN degree. I tell my sister this all the time-think about that.

IMHO it would work out much more in your favor if you didn't rush back to school, worked as an RN gained experience WHILE stacking as much cash as you can for a rainy day fund for when you DO go for your BSN. Then you're not trying to bleed a rock and p*ssing in exH;s oatmeal. THAT in my opinion is the best way to ensure that your DD doesn't suffer.

I have been out of college since 2011. I plan to get my MSW eventually. Right now, it's neither lucrative or going to serve me and my family well financially. Sometimes the Higher Education game is like poker, you gotta know when to hold um and when to fold um. For me, it's not off the table, it's just not the wisest decision right now because the risk isn't worth the return. It will happen, but take it from someone whose parents told them to go to college and you'll be set for life-the cake is a lie.

SourGrapes's picture

Thank you for your thoughts. I am doing a lot of thinking on this and that's why I'm asking for the thought's of others because it really helps me assess the situation.

As far as school goes, I already have a bachelor's degree. In order to get an RN I would actually need to go to school full time for 2 years, which is 9 months longer than the full time BSN program. For the time and money, it just makes more sense to get a second bachelor's degree.

A close friend of mine has already offered me a position at her company when I graduate with a starting salary of $80,000. She's been with the company for close to 10 years and has hired other friends out of nursing school, so although I know that isn't written in stone, it's a fairly safe bet that I will be employed right out of school. That salary is far more than I make at the present time, so even though I will have school loans I'll be less strapped than I am now, leaving me less likely to require CS from exDH.

mommadukes2015's picture

Just be careful not to put all your eggs in someone else's basket. You're the only person you can rely on 100% to make sure DD is good.

lieutenant_dad's picture

A friend of mine went back into an accelerated program and got his BSN. He works for a contract company as an OR nurse and makes six figures. It's totally possible to make a lot of money once you get out if you are willing to travel/take odd shifts.

However, keep scheduling in mind as you pursue this. The RNs that make good money tend to be the ones who are willing to work Friday-Sunday 12 hour shifts, or work nights as a floor nurse, or work odd shifts in a specialty field. If you're hoping to mae $80,000 working Monday-Friday in a clinic with no experience, it's probably not feasible.

So, you need to look at your ex's contributions in the long term. I think getting a BSN is a solid career move, but it's going to be a long-term time commitment if you want the bigger bucks. Yes, he needs to contribute his fair share, but he needs to understand what that means.

ESMOD's picture

I think both parents should be supporting their child. If you were going to continue to have your daughter 90% of the time, I might advise going forward with a discussion on CS given the fact that you were probably carrying a bigger load. However, it sounds like you are getting ready to need him to take more time for the next 15 months. So, it may not be the best and most opportune time to be asking to reset things. It sounds like he is making some contributions through the after care and health insurance and "other stuff".

What I think might be a better time to go back to him is AFTER you get your degree and things go back to you having more primary custody time (90%).

I know that it probably sucks to see that someone else is getting to just slack on by like his new GF does. I'm sure there is some amount of jealousy that you don't have someone able to chip in and make things easier for you. That being said, you are no longer his wife, so, that's not really his problem. I don't mean that in a mean way.. it just is what it is.

It's great that you are going back to school. I think what I would do in your situation is suck it up for the next 15 months and then revisit it once more normal custody for you resumes.

strugglingSM's picture

One additional thing to consider that has not been mentioned, many of the things your ex pays for (clothes, school supplies, etc) are typically considered expenses that child support is meant to cover. If you do enter into a formal agreeemnt for child support, he could - justifiably - say that he will no longer pay for those things as he's already paying for them through his child support. If you did ask him for child support based on your current schedule and then switched so he had more custody time later, he could go back and ask for a revision. In order to get child support under your current situation, you might need to legally change your custody arrangement.

Finally, be willing to pay and being obligated to pay are two different things. Your ex may be more willing to help out now because he's not being legally forced to do it (so there is still an element of free will and cooperation for him). Once he is required by law to pay, things might change for him, as feeling forced to do something is different psychologically than choosing to do something - even if the thing you're doing is ultimately the same.

Thumper's picture

What would happen to all of your incentives ?? You know the Single Mom money IF your daughter went to dads for 1 or 2 years? You do get that stuff, right?

Next question that is related to the above:
IF it came down to this would your x be ok with you saying daughter still lives with you at your address???

You may want to NOT stir stuff up in court because you may shoot yourself in the foot.

Unless your x's girlfriend is part of your court order proceedings--?? (doubtful) I will say it is unbecoming of you to bring her up in that way. Or any way for that matter unless she is a drunk or crack head. Gloves off then.

You do have an opportunity here to look good in court and to your kid. Ask x to take on Sunday-Friday and you will do weekends OR eow if you need weekends free to work??

JMO

Are you going for your RN?

strugglingSM's picture

I would also add that a judge might not be moved by the fact that you're asking for money now because you are choosing to take yourself out of the workforce and go to school. Regardless of whether or not your earning power is higher once you finish school, you're essentially asking your ex husband to cover your loss of income while you are choosing to leave the workforce for 15 months. So, you would be benefitting from his extra funding, because your earning power would increase. Typically, ex spouses are not expected to support the betterment of their ex spouse.

Typically, requests for child support as a result of voluntarily choosing to work less are not viewed very kindly by the courts. So, keep that in mind as well. If your ex husband wanted to fight you and he got a good lawyer, you could end up being penalized because of that. A judge may want to know why you couldn't continue to work to support your child, instead of expecting your ex to pick up the slack, so you could go back to school.

SourGrapes's picture

We aren't going to court, so this is just between him and I. I'm not looking for child support while I'm back in school, just for the next 4 months until it starts. I'm not asking for it for the next few months because of school. They don't have anything to do with one another. I said in my initial post that "although it would be nice" to have child support while in school, my cost of living loans would mean I would be fine without it.

For the record, $440 a month comes nowhere near covering my loss of income while I'm in school so even if I was asking for that while in school (which I'm not) it's hardly asking my ex to pay for me to better myself.

Everything that I'm doing regarding school is so that I can better provide for my daughter in the future. My exDH recognizes that. He's not giving me a hard time about taking her more or about my going back to school.

BethAnne's picture

It sounds like your two have a good relationship. I would work out what you need, what you would be owed and then ask for something in between. Then negotiate with your ex and see what the two of you can come up with. If he outright refuses, have a back up plan (second job, loan, credit card, cutting expenses, taking him to court for a child support review, putting your course off for a semester or two while you save up some extra money).

twoviewpoints's picture

I'm lost. Why support for next four months? Are you currently working now and will be until school starts in January?

twoviewpoints's picture

Not sure quite what you're getting at with that comment to me.

I asked OP the question because she mentioned she only wanted some CS for four months. Why only four months and not what the child is actually entitled to, or there may be a specific reason, such as job loss.

What was your point?

still learning's picture

Sounds like you've been "nice" and given him several breaks over the years by not taking him to court for CS and letting him underpay. It's great that you can work things out now but just think about if he does have a child w/current gf, how much will he be able to contribute then? Even if he does have her closer to 50% of the time he should still pay his fair share. Remember that court orders allot the first set of children that file the largest amt of support while subsequent children get less and less.

DD will also be going off to college before you know it, if he has a hard time w/$110 a week how will he ever help w/college? My advice would be to file for CS now just to establish the boundary that he is financially responsible for DD regardless of what is happening in his personal life or if he has a second family. The flip side is that he may retaliate, file for 50% custody and go after you for CS if you make more than him in the future.

I know from personal experience that being a doormat and letting the other parent get away w/not fully supporting their children will bite you in the @ss eventaully.

Solidshadow7's picture

Just to add to that nightmare scenario-

You are voluntarily reducing your income to go to school. But according to the law, your financial responsibility to your child trumps your desire to pursue more education.

So IF you do end up in court, either because you file or because your ex files, its possible that your support OBLIGATION will be calculated based on your previous job (the one you left to go to school.) When they calculate it, the court will ignore the fact that you are no longer at the job and will use your last tax return to determine your income. (His income will be based on his current job) Then the amount of overnights you both have the child for are factored in. This means your ex might actually legally owe you a lot less than you think he does, or if he fights for 50/50 and wins, you may end up OWING child support to him.

So think carefully before you burn bridges.