Just when things get good, smooth, and business-like between us…
My kids use my computer and ipad to watch Netflix when they are here. I got the cease and desist text from the ex last night. That’s easy, I just revoked her Amazon Prime relationship with me, that I’d been paying for since 2011.
We had money issues in my marriage. We have money issues as co-parents. There’s no doubt about it, in our relationship money has played a key role. And not a great role, but perhaps the issue that caused the divorce in the first place. Getting clear about money, and what the cash flow plan is over time might just save your marriage. We did our best, but we didn’t anticipate some of the changes that took place.
Either way, we’re divorced now, with two wonderful kids (14 and 12) and some ongoing conflicts about money. And still, we’re not dealing with it very well. But at least this time, the agreements will be spoken and negotiated in the open. There’s only one big problem.
At some point along the way I fell behind on my child support payments. I tried to be clear and honest about the situation. I asked for a bit of leeway in how I would repay her. And for whatever reason (I don’t think it’s healthy or helpful to say what another person is thinking) she felt it was in the best interest of the kids to file our decree with the Attorney General’s office. Thus throwing our money issues into the public record and putting me on file as a deadbeat dad in the state of Texas.
Could she have known what consequences her actions would have? I don’t know. Did she think she was protecting the kid’s livelihood? That’s what she said back then, when she filed on me the day after she learned that I was discussing bankruptcy in an attempt to keep my house. (Bankruptcy does not clear any child support debt, so that couldn’t have been her motivation.) She had rattled the threat at me for most of the summer as the company I was working for struggled to replace the lost business that caused the issue in the first place. Despite my pleas for compassion and understanding she tossed me to the lawyers for the state of Texas.
Okay, so that’s several years ago, and I’m still having a hard time not seeing her action as vindictive and bitter. And when I think about asking her if she knew what trouble her actions would cause me, I wake up to realize, once again, it’s not about her. The money might have been a core issue between us, but now the state of Texas is working with us to protect my kid’s lifestyle, to support my wife’s income, and to enforce the financial agreement that I signed six years ago, to provide housing, food, clothing, and insurance for my kids.
I agree 100% that the full amount of the debt is mine. And I attempted to negotiate secured notes with her to get my payments caught up. But once the AG’s office was involved, she would simply say, “I’m sorry. It’s out of my hands. They told me not to talk to you about money.”
It was as if she was throwing up her hands and telling me to talk to the state’s attorneys.
Still, six years later, while we are negotiating and navigating co-parenting much better, the scars of the “deadbeat dad” debt still crushes my financial opportunities. Several times I’m certain I was turned down on a new job opportunity right after they checked my credit. Last week I was denied a car loan because of the 27,000 debt to my ex-wife. (That’s not the exact number, but it’s close enough to give you an idea.)
Here’s the deal. I have paid her accordingly based on what I have made in the past six years. In the divorce I agreed to a much higher amount of income than I have ever achieved post-divorce. Have I been sitting around being lazy or trying to avoid paying her, or hiding money? No. I have been working hard to rebuild my consulting practice as well as looking for full-time work. But the kind of money I used to make at Dell, for example, is available only when everything fits just right. And the big old scarlet DD on my forehead is devastating in the market place.
Did she know this would happen? Is she sorry that her knee jerk action has caused us both so much angst? Again, I don’t know. Am I doing something wrong by not suing her and the state to reduce my child support based on actual earned income? I don’t want to sue her. I don’t want to fight for 50/50 custody. I want to continue with as little conflict in our co-parenting as I tried to maintain in our marriage.
Sometimes hurtful actions have long-standing reverberations that come back to hurt ourselves. I hope that there is a way for us to legally agree to remove the state of Texas from our financial lives. Otherwise the collaborative co-parenting will continue to have this unnecessary financial sting to it. At least for the next 6 years, when my daughter turns 18. I hope she and the state of Texas can see the light long before then.
I am not a dead beat dad. I have given her a portion of every dollar I have made. And as I strive to make more, I am trying not to reflect on the on-going actions against me by the AGs office. It’s hard, but we’re managing.
The Off Parent
back to The Hard Stuff
(this is a guest post)
Making a will is not always high on people’s agendas. With so much going on in our daily lives, thinking about the future is not something we tend to do – but it should be, especially if you’re a single parent.
For those who are not with their partner, for whatever reason, decisions over who will care for your children when you’re no longer around is a real concern and it’s vital that you take the time to work out what it is you want.
Why make a Will?
Making a Will is one of the only ways to guarantee that your affairs will be handled how you want them to be following your death. This not only applies to who will inherit your personal possessions and finances but also decides who will become responsible for looking after and raising your children.
As a single parent, the care of your child may not automatically default to their other parent. This means that it is wise to specify who you want to look after your children in your Will. You’ll need to discuss this with the individual first to ensure it is a responsibility they are willing to take on and you need only do it if you’re children are still classed as dependents (are under 18 years of age or suffer from a disability or have special needs which make them more reliant to adults).
Why do it now?
By putting off making a Will you could be putting yourself and your children at unnecessary risk. Situations can change at anytime and no one knows what the future holds in regards to their life and time of death. If you fail to appoint a guardian for your children then serious complications could be encountered following your death.
Dealing with the loss of a parent is hard enough for any child but where they like in a single parent home it can be even more traumatic. Adding the stress of uncertainty concerning their living arrangements and guardianship onto this could therefore have drastic ramifications. By drawing a Will you will be protecting them from this heartache.
Making a will is both easy and inexpensive so you needn’t worry about being stung with expensive costs. If you already have a Will then you may not even need to draw a new one but may be able to make legally recognized amendments known as codicils.