When my ex-wife turned our “case” over to the Attorney General’s office she was essentially damning my credit and my hopes at refinancing and keeping my house. She knew what she was doing. I was asking her to pause, consider, and hear me when I said I would pay her the money. She did it any way.
Today, she says things like, “Well, you only started paying again because of the AG’s office.”
I’d like to say, “Um, no, ex-sweetie, I started paying you again because I got a new job.” A percentage of every dollar I’ve earned since the divorce goes directly her. Before it was by cooperation, consideration, and co-parenting that I paid. Today, I pay (in her mind) because the state’s attorney’s will shut down my bank account the minute I stop.
And they have shut it down. Two weeks after I called to set up the direct draw off my new job they froze my account. I was talking to the enforcement officer and he said, “You owe your wife over $15,000.”
And that’s what she says today as well. That I owe her this money. That because of the decree we negotiated in good faith, somehow our arrangement meant that, she was entitled to the money, even if I lost my job. Even if I lost my house. Even if I had to move back in with my mom to have a place to stay. She wanted her money on the 1st and the 15th. And she now had the state of Texas behind her.
Calling the AG’s office is a real lesson in futility. First you get screened: “If you are the custodial parent, press one. If you are the non-custodial parent, press two. If you are an attorney press three.” And make no mistake, the custodial parents are the clients, the non-custodial parents are the dead beat dads. You wouldn’t be calling the AG’s office if there wasn’t a problem. And the whole system is set up to move money from the non-custodial parent to the custodial parent. The idea is, on parent has the kids for more time so the other parent can work more and earn more money. If you think of it like a baby sitting service, it might help. If you think of it as the loss of time with your kids and money to provide food and shelter for them when they are with you, it’s a whole different reality.
Today my ex-wife (via the AG’s office) has a lien against me for the child support owed. This takes my credit report into the failing numbers. The used car loan I was offered several months ago, was 19.50%. Those are credit card rates. This same credit union publishes 1.65% for new and used car loans. Do you think she understands that? Perhaps she does. Perhaps she thinks this is why I’ve paid her from every paycheck I’ve ever gotten. Perhaps, the AG’s office is serving its purpose. I don’t think so, but maybe that’s what she says to herself at night, as she is tucking our kids into bed inside the house we bought with my pre-marriage money.
Okay, at some point you’ve got to move on. You cannot focus on the bad that has been done, you have to look towards the positive and good things you can do. Except she keeps the boot on my neck. The lien could be released by a single letter from her. She’s comfortable, more comfortable, with the AG’s leverage in her court. And it’s not like my 15 months of consistent payment, from consistent work, has an effect on her. She thinks, or pretends to think, the AG’s office is good for all of us.
The AG’s office takes a percentage of all of the child support as a charge for their collections service. So that’s money that is going to them rather than to her and the kids. And when they pull the checking account freeze every so often, the cost me $200 in bounced check fees and another $75 for the processing of the hold order. Wait, what? They freeze my account and I get charged $75? How is this helping?
I could see if we had an adversarial divorce, how the AG’s office my be necessary. However, I never threatened her with non-payment. I simply told her I was going to get behind when I lost my job. She held off on filing against me for the whole summer. But I’m sure she needed/wanted the money. And her anger, has not always been a great part of our relationship, got the best of her and she threw me under the bus.
The problem is, she threw the kids under the bus too. We all lost things when I lost my house. So while I try to move on, live and let live, and trust in her good will and love of our children, she’s still refusing to release the AG’s enforcement from our lives. And it turns out it’s a simple phone call. It could all be over. I’d still pay her each month. She’d get 10% more money, because the AG’s office would not be extracting a fee. And I might be able to buy a used car without quadrupling my car payment.
She’s holding a loaded gun to my head, each day she keeps the AG’s office in our affairs. As they see it, and as she sees it, I OWE her this money. Money that should’ve been in proportion to the income we actually made and not some hopeful/aspirational income that has never materialized. I guess it’s time to get some money to fight for some of my money. My daughter is 13. That’s 5 more years. And that’s a lot of money. Time to get started.
The Off Parent
< back to The Hard Stuff posts
- You Are Ahead by a Century
- Money is a Bitch After Divorce
- Your Contempt for Me is Hurting All of Us
- The Humans Of Divorce, Dear AG’s Office Special Cases Officer Mr. McK!
- And Just As We Reach A Calm Moment
image: jean seberg, creative commons usage