Divorce, Single Parenting, Dating, Sex, & Self-Recovery

Posts tagged “money troubles

A Thin Line Between Love and Hate: Marriage to Divorce

OFF-2016-loveandhate

How did I get in this position? How did my ex-wife get so entitled that she turned my ass over to the Attorney General of the great state of Texas for “enforcement.” How did I get assigned to the Special Collections Unit? How do I still have to look my ex in the eyes and smile at our children’s school and sporting events? When did it all switch from love-and-working-on-it to divorced-and-where’s-my-money?

She wanted me to take the kids to some of their doctor’s appointments. She wanted to balance things out more. Um, wait, that’s what you argued against when we were dividing up our parenting duties.

We’d have to roll the video tape way back to catch the first moments of contempt. It was easy over email for her to be a total bitch. She too was a writer. She prided herself on her pretzel logic and how she could write a scathing email and argue both sides of the issue and leave me utterly confused about what she was saying. Face-to-face we usually did pretty good. But give her some room, the ability to focus on some imaginary image of me as the dead beat dad, and she could tear me to shreds.

I saw this first-hand only once since we’ve been divorced. We had chosen to see our kid’s therapist for a counseling session on keeping our parenting schedule amicable. She was beginning to sag a bit under the strain of the standard possession order (SPO) that she had argued for and won. She wanted me to take the kids to some of their doctor’s appointments. She wanted to balance things out more. Um, wait, that’s what you argued against when we were dividing up our parenting duties. You seemed to think you were the responsible one, that you were the nurturing one, that you should get the kids 65% of the time.

And again just this week she sent me an email about some detail of one of our kids and lobbed this love bomb over the transom at the end of it. “Also, J needs his vaccine.”

When I responded to the initial reason for the email but did not volunteer to take my son to the doctor, she responded, after thanking me for the first portion of the acceptable response, “I don’t know how to take your silence on the doctor’s appointment.”

Perhaps I should’ve let her have a touch of my anger, but I didn’t. Maybe silence was more passive aggressive. Or was it aggressive aggressive? Either way, I did not take the bait nor the action item to get our son to the doctor. 1. She didn’t ask, she just lobbed it into the previous conversation. 2. She didn’t ask the second time she just showed a bitch sign for her disapproval. 3. She still didn’t ask.

But it shouldn’t be like an invoice that I owe. It should be a cooperative arrangement between two people that still love their children, just not each other.

But let’s put another chess piece out on the table between us. Two and a half years ago she turned our decree over to the AG’s office for enforcement. Now I’m a dead beat dad on paper, and the lien on my credit report means I can’t get a used car loan for less than 19% and a home rental company denied me without even talking to me about the issue. Yeah, it’s a big issue. And yeah, I owe her some money at this point. But even without the AG’s office I would’ve owed her the money. And I will pay it all to her. But I can’t pay her any money if I have no money coming in. When I lost an anchor client in my small business, I begged her to be patient and to listen to my voice, “I will get you the money. I’m talking to new potential clients everyday.”

And today you’d hear her say, “He didn’t pay me anything for the entire summer and he was threatening to not pay me at all.”

She knows this is not true. I am obligated by law to pay her every penny on the decree, regardless of my employment status or ability to pay. But it shouldn’t be like an invoice that I owe. It should be a cooperative arrangement between two people who still love their children, just not each other. But somewhere along the way her anger turned towards me as the root of her problems. Somehow my job, or lack of job, was making her uncomfortable. And that made her furious while we were married, and doubly so after we were divorced.

So in I went to Mr. McK****’s Special Collections Unit. Dead beat dad. Credit score below 450. Fucked, essentially.

Today I’m working a job that pays for the child support and the health care for the kids and little else. If I didn’t have a fiancé who had a good job I’d still be living at my mom’s house. Do you think she had sympathy for my situation? Do you think she was aware of the impact of losing my house had on the kids? No. I took it all in a very Ferris Bueller way: I smiled and sang danke schoen while she refused to accept any of my offers to secure the debt I owed to her. But I was doing that for the kids. They didn’t need to get in the middle of their mom’s contempt for me.

In the AG’s eyes I am paying the maximum amount they are allowed to take from my paycheck. That’s the best I can do. Sure, I’d love to help my ex-wife and my kids, but I’m afraid my hands are tied.

My kids will know when they are older, that their mom did these things to me. I’m too nice a man to reveal the heart of the matter to them while they are still in high school. They need both parents right now. But at some point, they will want to read my divorce book.

There’s one last tidbit that came up last week that brings a small smile to my face. In January my daughter suffered a major migraine headache and had to be hospitalized. Even though I have great insurance for them, the deductible was quite high. My ex-wife asked me to split the bill with her. Um…

In the AG’s eyes I am paying the maximum amount they are allowed to take from my paycheck. That’s the best I can do. Sure, I’d love to help my ex-wife and my kids, but I’m afraid my hands are tied. I suppose she can sue me. She works for a law firm. It wouldn’t surprise me any more than I was surprised when she told me she consulted an attorney after we’d been in couples therapy for a few months.

Nothing surprises me about her adverse actions. Striking at me was moving against the best interests of the kids. Now she can have her AG-sanctioned income, tax-free, and howl until she passes out before I give her an extra dime. No, honey, you blew through cooperation two and a half years ago. Dig it?

Respectfully,

The Off Parent
@theoffparent

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The Humans Of Divorce, Dear AG’s Office Special Cases Officer Mr. McK!


off-j-humanDear Mr. McK******,

For your “humans of divorce” records. My account is still frozen this morning. Tomorrow it will be a week. Congratulations!

I did everything right and you still penalized me.

Even when you could see I was resetting my account with my new information and new job, you chose to freeze my account and take the money I had been loaned for COBRA insurance payments for my kids. Yes, I owe my ex-wife money. But disabling the earning non-custodial parent with your actions is really bad form. And it hurts the kids as well.

You are an angry and evil man, and you should not take that bitterness out on a good-guy dad doing the best he can. I hope you consider other options with the next optimistic and willing father who crosses your path.

Take care. Be easy on the good ones, we make your job easier and more rewarding. Slamming everyone down, like whack-a-mole is what gives your job description and your soul black marks in the future.

Respectfully,

J M**********

+++

He wasn’t there to work our case in for the benefit of the family, he was there to extract his pound of flesh.

I’m sure my message will not be received by Mr. McK at the Texas AG’s Office. He was a dick to me from the moment I got him on the phone. He had all the cards. But he also had the discretion to not harm me. He heard my case and judge-and-jury ruled in favor of the asshole in himself. My ex-wife was not hammering them for the money. We’re working on an agreement ourselves. This was 100% up to Mr. McK. And he chose to hit me, penalize me and make me borrow more money from friends and family to cover the insurance costs of my two children. If this was “in the best interest of the children” in any shape or form I’d like to know.

Of course, I’m sure he deals with assholes and true dead beat dads all the time. This was clearly not the case for me. But as cooperative as I was, showing him the COBRA bills, and asking for leniency, he struck his own plea bargain. I would get nothing. I owed my ex-wife money for all the months I was unemployed. And even as I was recently re-hired, and had just re-established the withholding payments on my new job,Mr. McK felt I needed to be taught a lesson, I suppose. So that’s what he did. He ignored my circumstances, he ignored my recent actions and willingness to pay and share in the process.

The AG’s Office gets a bad rap because they are heavy-handed jerks to everyone in their system. Even the good dads are getting hammered and harassed and abused for doing the best they can. This is not right.

Mr. McK should be ashamed of himself. So I sent him the above letter to show him the consequence of his ass-actions.

We are the humans of divorce, and we’re doing the best we can in spite of the AG’s oversight. Sure, my ex-wife never should’ve sent out files to be “enforced” by them, but that was two years ago. It’s a long way back to trust between us. But it means six more years with asshole Mr. McK on my case, or any others just like him. He wasn’t there to work our case in for the benefit of the family, he was there to extract his pound of flesh.

Sincerely,

The Off Parent
@theoffparent

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And Just As We Reach A Calm Moment

This morning was a rude awakening. I was in the process of depositing my paycheck from my new job… And…

paybills

Yes, I am a dad in debt, but I’m not a DEAD BEAT DAD.

So… No paying bills today.

Now the odd thing, the thing that really chapped my chaps is:

  • Last week I updated the AG’s office with my new employer.
  • Last week I gave them all the information they needed to garnish my wages.
  • Last week I negotiated a slightly lower “back owed” payment.
  • Last week I updated them with my new address.

And today, a week later, I get a freeze on my account. This is all the money I have. This is my lifeline. I cannot fill up my car with gas. (I’m at 1/4 of a tank.) I cannot buy groceries. (Though the kids are arriving tonight.) I can only pay for lunch at work if I have cash in my pocket. THIS IS NOT RIGHT.

Here’s what the AG’s “enforcement officer” for Special Cases said to me.

You have three options.

  1. You can do nothing and we’ll take all the money in the account.
  2. You can agree to let us take $2,000 (half the money) and unfreeze the account.
  3. You can contact an attorney and file a petition with the court about the amount we are taking.

I told him.

  • I have to pay $1050 per month in COBRA payments to cover my kids for August and September. That’s $2,100!
  • I was loaned this money to make those payments.
  • I also have rent to pay. And a car payment.
  • You can’t take so much money that I cannot pay for my kids insurance. And that’s what you’re doing.

He reiterated his position stated above. “You have three options, sir.”

“So,” I asked. “You’re not willing to negotiate with me?”

“I’m negotiating by not taking all the money.”

“Oh, thank you.” I said, angrily.

“I’m going to ignore that remark, because it sounds like you’re being sarcastic.”

“No, I’m not. You’re hearing me wrong. I’m upset. And I apologize.”

“Okay.”

“Okay.” Silence. “Is there anything else you need from me?”

“No, I’m just waiting for you.”

“Fine,” I said. “I want to make sure you got the information about my new employer, and that you sent the withholding order to them.”

“Yes sir, that went out August 3rd.”

“Then there’s nothing more I can do. Thank you SOOOO much.”

“You are welcome sir.”

It turns out, that the AGs office are not bullies. They are more like a collection agency. I’m sure they do have to deal with some pretty shady and angry people. I can only imagine. And while I tried my best to be civil, his position was inflexible. I could agree to his terms or not have any money to live on. No gas. No food. No insurance for my kids.

In all future engagements with the exy, when she wants some changes or flexibility, my new response is, “Where are you with the AG’s office situation?”

Until she’s willing to release me from the “enforcement” arm of the State of Texas, I’m not willing to negotiate anything. And that’s what the AG’s office does for us. It keeps me from being able to pay extra, or pay for additional things, because I won’t be credited on my “Official Account.”

Yes, I owe my ex-wife some money. (Approximately 1/3 of the amount shown above.) But when I have no job, I have no means of paying it. And the amount is due every single month, job or not, and continues to grow her “enforceable debt.” Yes, I am a dad in debt, but I’m not a DEAD BEAT DAD.

HERE IS THE LETTER I WROTE MR. McK at the Texas Attorney General’s Office.

Mr McK****,

Here is the signed document you requested.
I would like to note in my file, this money is my account was not INCOME. It was a loan so that I could pay my rent (SHELTER) and insurance for my children. I believe the $2,000 to be excessive, but I am not prepared to take legal action to reduce your request.
I have attached the COBRA payment stub so you can see the amount. I am required by law to pay for the insurance on my children. And I cannot make child support payments when I don’t have a job. I have ZERO savings. So it was frustrating, that the week AFTER I submitted the information on my NEW EMPLOYMENT, you freeze my checking account.
Is the AG’s office responsible for bounced check fees resulting from your actions?
Anyway, please consider a lower fee. Say $1,000. I would then be able to make both rent and my COBRA payments this month. I am not contesting the amount owed, and I’m not in disagreement with the process, but I am aware that you have some discretion on your part and the ability to make decisions regarding this one-time event.
Please consider my request. I am doing the best I can and am not hiding or refusing to pay in any way.
The signed letter is attached.
Thank You,
cobra

I include my COBRA statement to illustrate two things. 1. I am paying my kid’s insurance; 2. It’s really expensive when you don’t have employer-provided insurance. So my child support is 1,150 and my COBRA is 1,108. Giving me a whopping monthly debt of 2,258. Now that’s a lot of money. Before I get to pay for food, shelter, and anything fun…

Divorce is expensive. But the DAD should not be the BANK for everything. What would be equitable, is a fair payment that reflects BOTH of our incomes and some percentage of each. Each paycheck I contribute 25% of my income to my ex-wife and kids. It’s a big bite. And six more years of it, for my daughter, who’s 12, is a long time to be under the thumb of Mr. McK.

The old system that set up this draconian system believed two things: 1. Dad is the provider (money); 2. Mom is the nurturer (house and love). In our case this is what my ex-wife went for, because she knew she would prevail in court, if I protested. Today she’s willing to talk about a 50/50 schedule, because she’d like some relief from having most of the “school mornings.” However, as of last week, was unwilling to release me from the grips of the AG’s office. She seemed to think they offered her some assurance that I was going to pay. Um, dear ex-wife, I’ve never said anything about not paying you every cent you are owed. Ever.

I see we’re at an impasse.

UPDATE: Do you think Mr. McK was concerned about me suffering another day with ZERO DOLLARS? No, he was not. As of this morning (day 3) all of my money is frozen. Yeah, and how is this the BEST OPTION?

And guess who pays the $75 fee to initial the HOLD?

Screen Shot 2015-08-14 at 11.08.54 AM

And want to talk to some people who start out believing your an asshole? Call the bank to see how long the “hold” will last.

Screen Shot 2015-08-14 at 12.27.50 PM

“It’s a two day process sir. The minute that cashier’s check is mailed out the hold will be released.”

And being the person with no money, I ask, “And what’s the likelihood that this will not happen today, and I’ll be left without money over the weekend?”

“Once the check is mailed out, sir, the money will be released.”

“Oh, thank you, sooooo much.”

+++

What are the odds that I will have access to my money this weekend? Who cares? My ex? And the kids are with me… Oh fun times in big “D” land.

UPDATE: Monday morning, still frozen. The AG’s Office has their money, (that’s why it shows I have $2,000 less in my wildly overdrawn account) but my account is still locked. Tomorrow it will be a full week with no money. How is this humane or reasonable? I’m sure somewhere up there, this is my fault, but I don’t see it. It’s debilitating and humiliating.

off-d-frozenstill

Sincerely,

The Off Parent
@theoffparent

And so I wrote Mr. McK a letter: The Humans Of Divorce, Dear AG’s Office Special Cases Officer Mr. McK!

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How I Went from Good Guy Dad to Dead Beat Dad

OFF-deadbeat

Okay the process was a long time coming. BUT… the recent responses to my #childsupport post (Dead Beat Dad) got me thinking.

FIRST: the primary online response (100% women) was “pay her what you owe her.” In fact, one woman went on to tell me she imagined my observations about my divorce were not how she saw things. (Um, duh! And thanks…) What I heard was a lot of anger about dads not paying their child support. And an immediate vilification of the man, even me, who appears to be making excuses.

In my mind I was trying to be the good dad. I was anticipating the income that hadn’t turned up yet. I WAS/AM working my ass off to get there again.

I’m guessing that’s what my ex-wife thinks as well. That I’m making excuses. But that’s not the reality of the situation. Not by far.

SECOND: When pushed to the state as guardian model of management, I felt an immediate relief. Never again would my ex-wife be allowed to pelt me with the “when can I expect the money” emails and texts. Once the Attorney General’s office is involved, I can simply refer her to her caseworker. Sounds kind of hard ass, but that’s how it feels to me too. Getting my good will tossed back to the lawyers, or in this case, the legal machine of the great state of Texas.

THIRD: The kicker in the process is this. I have been OVERPAYING. I was aware I was OVERPAYING. I was willing to keep OVERPAYING in “anticipation” of returning to my previous corporate high of earning. So now, rather than OVERPAY any more, I’m going to reset the numbers and will start paying the actual awarded percentage of my income to my ex-wife. (approximately 20% before taxes) And going back the near three years that we’ve been divorced, that looks like something between $12k – $18k.

So my monthly bill payments are going to go down significantly with this reset as well. Hell, I’m starting to feel kind of chipper about the whole thing.

In my mind I was trying to be the good dad. I was anticipating the income that hadn’t turned up yet. I WAS/AM working my ass off to get there again. And in a moment of impatience and impulsive anger, she set me off to reevaluate the entire situation.

Maybe never having to be harassed about money by my ex-wife will be a good thing too. It’s not personal, right? It’s just business.

I warned her that I would do this. And I did my dog-like grovel, “Are you sure this is what you want?” JUST LIKE IN THE CLOSE OF OUR MARRIAGE.

Today I sent her the response, updating her with my PLAN. Just an FYI, “here’s my unofficial estimate.”

I walk into this Memorial Day weekend, a long-weekend WITH my kids, with a sense of relief. I’m not sure what she’s feeling about now, but that’s not my problem. And I could be wrong. Maybe the accountant will add things up differently. Maybe I made a lot more money than I thought I did. I don’t think so, but maybe…

Set the machine in motion and I’m gonna get a refund in the form of no-payments until we’re caught up. And then, I’m guessing my actual payments, based on reality rather than good-guy math, will sober her ass up pretty quickly. Again, not my issue. But you can almost see the grin on my face, right?

Now, I’m guessing, this post will cause another round of women being mad with me at being an asshole. What I thought I was doing in being the good guy dad was to provide for my kids and ex-wife in the way they had been accustomed to living. Unfortunately that didn’t account for the economic recovery. And of course, SHE didn’t have too much concern for MY LIVING CONDITIONS. So being 45 days behind is going to turn into the equivalent of winning a small lottery prize.

Again, I’m sorry for the anger this kind of negotiation and settlement causes people. And I’m sorry there are real dead beat dads that have no intention of every paying what they are supposed to pay their children and ex-wife. But that’s not me. I’m ready to get things back to the REAL picture. She really liked working the spreadsheets. I guess this is information she’s going to have to re-calculate. And now I can do the same.

And now I can pick my head back up off the ground for feeling so beat up and trying to manage an unmanageable expense. Heck, maybe never having to be harassed about money by my ex-wife will be a good thing too. It’s not personal, right? It’s just business.

Note of self observation: I’m feeling really sad now, at having written this post. It cuts back to the left-over hurt of the relationship, and my own wish that we could’ve afforded to have my kid’s mom be a stay-at-home mom. But we couldn’t manage that dream if we wanted to live in our neighborhood and send our kids to the good schools. So here we are. And now, giving her less money, feels good to me, it also re-scuffs the hurt of losing our dream together. But that, of course, cannot be recovered.

Sincerely,

The Off Parent

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Winning the Battle, Losing the War: Divorce and Co-parenting

i'm late but I'm not a dead beat dad

i'm late but I'm not a dead beat dadShe’s ready to turn my month-and-a-half-late ass over to the Attorney General’s office. (See: Sting) She let me know yesterday via email. And as I was responding via email, I think I identified and called out the crux of the issue.

Perhaps this can provide some illumination into my thinking. It’s not that I’m late, it’s not that she needs this money right this second. It seems to be the “principle of the thing.” And what I understood while writing this message to her, was how closely this situation echoes much of the trouble in our relationship. These actions closely resemble the actions and misunderstandings that led to the divorce.

I don’t think it’s about the money. I don’t think it’s about her fears that I won’t ever pay or get caught up. (I’ve never failed before.) I think it’s about having someone to focus your anger on. Whatever is wrong with her world, I am still at the center of her problems. Now, I don’t believe this. I didn’t believe it in the closing moments of our relationship. As I asked her, “Do you think you are suddenly going to be a happy person when I walk out the door?” She didn’t GET HAPPY.

And she’s still unhappy with me. And of course, I am to blame for her unhappiness, because she’s owed this money, and she might never see it, and… WAIT. In what universe? Like I’ve got an option to bolt on my child support? NO.

So if it’s not the child support, really. Well, I think it’s easier to see from here. Let me know if I’ve got something wrong. I’m prepared to hear that my logic and emotional truth is OFF on this one. But it felt so right when I wrote it, that I knew I had to continue the drama from yesterday.

And with this letter, I’m setting in action the process that will remove “money” and “timing” and “enforcement” from our vocabulary.

+++

Dear ___,

I am certain that I don’t know your situation. And I’m not sure it has any bearing on my options.

I did not run out of money. And I am not trying to keep you in the dark about my situation. My company shifted to NET 15 on me. Instantly changing my cash flow. And, of course things happen (car repair, computer loss) that can compound the situation. That’s all that has changed on my end. A couple new clients in the pipe for both my company and me personally, SHOULD open things up again.

Your responses to the information I have been able to give you is, “that’s not good enough.”

And yesterday you basically said you’d rather have the AG’s office sort it out for us. For the next 8 years! Wow.

So that’s what you’re gonna get. It’s fucked. And there is no way to unplug once we’ve entered the system.

Therefore, my responsible duty is to recalculate what your are owed, what you got in credit based on my projected income. I’m guessing it’s a bit more than half, averaged-out since we’ve been divorced. So you can re-run all your calculations based on that idea and see where you end up.

My preferred approach was to honor the expectation, even as it affected me quite adversely. In the name of being nice, giving you everything I hoped to give you, that is what I was trying to communicate to you.

But it feels like some macabre redo of our divorce. Me asking, “Are you sure this is what you want?”

Want to calculate the money based on reality? Want to bring the AG in to help you?

Done! And done!

My “thank you” response yesterday was genuine. You are forcing me (again) to look at an unhealthy relationship. I am being given an opportunity to clean up my own shit. And, with the help of the state, I will gladly disconnect from the cash flow crisis mode one of us seems to benefit from.

I hope this process will allow us to remain friendly and cordial with our coparenting. All of us benefit from being flexible. Unfortunately, I’m pretty sure the AG’s process is setup to fight against flexibility. And maybe it will help us keep our business to parenting.

You will now be able to call your case worker and explore “collection” and “enforcement” options with them. Hope that serves you.

Sincerely,

The Off Parent

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