Can Bankruptcy Be The Answer To My Child Support Debt?
Child support payments can become quite a burden when it is put into an already tight budget
. And these days, you'd be lucky to find a budget that isn't tight. You may have to pick and choose which debts to pay and, while it seems that you could push off your child support payments, there is little tolerance from government agencies for not paying it.If you start to miss payments, an agency can (and will) garnish your wagesbut not at the same percentages as a typical wage garnishment. If you are head of household, up to one half of your paycheck can be garnished. If you are not head of household, up to 65% of your paycheck can be garnished. A garnishment that takes that much of your paycheck can make it too hard for you to maintain the rest of your bills.
Child support debt is not a typical debtit is considered family support and taken very seriously. In fact, if your child support is the result of a court order, not paying it may be considered a violation of that order. That could be considered contempt and result in your arrest.
Since child support is considered family support like alimony or maintenance payments, it isn't able to be discharged in a Chapter 7. Fortunately, a bankruptcy lawyer can still help you with your child support debt. He or she could help you with a Chapter 13 bankruptcy, which would eliminate your wage garnishment and allow you to get current on your child support payments. Even though the debt can't be discharged, it can still be taken care of through a Chapter 13 payment plan.
Your life could be made much easier if you weren't operating under the immense stress and weight of a wage garnishment and child support debt? Your child support payments, your job earnings, and your life can finally be back under your control. Remember, doing nothing changes nothing. You can change the situation that you are inbut only if you are willing to take action against it.
Child support debt, especially if paired with a garnishment, can render you unable to pay any other bills, sinking you farther and farther into debt. The best move to make next is to start looking at your options. Sure, you can get a free consultation from most attorneys, but the best ones will be able to provide you with great information before you even sit down with them face to face. Make an educated decision by reading articles, blogs, and frequently asked questions about bankruptcy. Research is truly the best way to find the right solution for you.
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