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So today I received a letter from FRO informing me that they have sent a deduction to my emplyer, currently the gov't as I was recently laid off, to garnish my wages at 50% because I am behind in my CS.
When I was laid off, Nov. 26, I went ahead and called FRO to ask how my CS should be paid. SHould I wait fo it to be garnished from my EI or go ahead and pay it? I was adivsed to pay it but also told it would not be refunded to me when it was garnished again. I asked how long it would take, considering other mistakes in garnishment by FRO had taken months and numerous faxes, letters, calls by me and my lawyer to correct...FRO informed me it won't be long. And it wasn't, I received the 50% garnishment notice today and I called them on Dec. 2. In the past, they had garnished my wages at 50% for almost 3 months because they made a mistake and took a long, long time to correct it.
I called today and was informed that I am violating my court order by being 300 and change in arrears.
I informed the FRO agent that I am not in arrears, my payments are deducted at the source and sent to FRO....of course they will not arrive on time, they are due on the first of the month and my employer submits them no doubt with some delay after I have earned the money...2 weeks into the month.
FRO informed me, those are the rules, now 50% of my EI and my taxes will be seized. I informed FRO I did not chose to have my wages garnished and therefore have my CS be late, they wanted and it and I agreed, so they are responsible for the 2 weeks, sometimes more, that my payments are late. If I was responsible for paying them, I would pay them on the 1st, but I'm not....they are garnished. I asked the FRO agent if I can change my payment method to PAP and I was told, submit a proposal and your case agent will respond to it. That's actually great news in and of itself, the whole situation gives me a really good deal to write the Ombudsman about and hopefully I will be allowed to PAP rather than have my wages garnished..just this year, from March until July, FRO sent 6 different garnishment notices, all confusing and with different amounts, to my ex employer...despite the fact that nothing in the order or arrears or ongoing support had changed.
The FRO agent informed me that I can pay the outstanding right now via an internet payment, wait three says, make sure it reached FRO by calling the automated line, have my case updated, hope they correct the Federal gov't garnishee. I've had so many mistakes in my ganishment amount, not to mention the fact that it took months to correct them, I opted not to pay.
I then took out my statment of account, which I requsted when I called Dec. 2 and received today along with the federal ganishment order, and lo and behold, after I calculated the amounts...I owe FRO $43.74 as of today. Considering they will still receive two of my garnishment amounts from my last two pay cheques, and when they do, no doubt 2 weeks late as always, they will owe me almost 300 bucks.
So what do I do? Are there forms I can file to prevent them from garnishing my EI at 50% or do I just have to wait it out. The fact is, I can't afford it.
My wife lost her job during the summer but recently found something else, at a much lower salary. My income is reduced by EI to less than 50% and with the garnishement, I will bring in less than $800 a month. We are still paying off our lawyers bills, at 600/mn for a previuos case we had with my ex., so my income will barely cover that...let alone the mortage, hydro, food, etc.
It's funny, I have a 4 year old son and all of our xmas gifts to him cost under 100, purchased before I lost my job. My ex. lives in gov't housing, works for cash and collects all she can has already purchased over 600 worth of gifts for our daugher. Granted, our daughter, for whom I am paying support to the ex, no longer lives with her as she is in foster care having been taken out of her custody by catholic children's aid back in Feb. 09.
When I was laid off, Nov. 26, I went ahead and called FRO to ask how my CS should be paid. SHould I wait fo it to be garnished from my EI or go ahead and pay it? I was adivsed to pay it but also told it would not be refunded to me when it was garnished again. I asked how long it would take, considering other mistakes in garnishment by FRO had taken months and numerous faxes, letters, calls by me and my lawyer to correct...FRO informed me it won't be long. And it wasn't, I received the 50% garnishment notice today and I called them on Dec. 2. In the past, they had garnished my wages at 50% for almost 3 months because they made a mistake and took a long, long time to correct it.
I called today and was informed that I am violating my court order by being 300 and change in arrears.
I informed the FRO agent that I am not in arrears, my payments are deducted at the source and sent to FRO....of course they will not arrive on time, they are due on the first of the month and my employer submits them no doubt with some delay after I have earned the money...2 weeks into the month.
FRO informed me, those are the rules, now 50% of my EI and my taxes will be seized. I informed FRO I did not chose to have my wages garnished and therefore have my CS be late, they wanted and it and I agreed, so they are responsible for the 2 weeks, sometimes more, that my payments are late. If I was responsible for paying them, I would pay them on the 1st, but I'm not....they are garnished. I asked the FRO agent if I can change my payment method to PAP and I was told, submit a proposal and your case agent will respond to it. That's actually great news in and of itself, the whole situation gives me a really good deal to write the Ombudsman about and hopefully I will be allowed to PAP rather than have my wages garnished..just this year, from March until July, FRO sent 6 different garnishment notices, all confusing and with different amounts, to my ex employer...despite the fact that nothing in the order or arrears or ongoing support had changed.
The FRO agent informed me that I can pay the outstanding right now via an internet payment, wait three says, make sure it reached FRO by calling the automated line, have my case updated, hope they correct the Federal gov't garnishee. I've had so many mistakes in my ganishment amount, not to mention the fact that it took months to correct them, I opted not to pay.
I then took out my statment of account, which I requsted when I called Dec. 2 and received today along with the federal ganishment order, and lo and behold, after I calculated the amounts...I owe FRO $43.74 as of today. Considering they will still receive two of my garnishment amounts from my last two pay cheques, and when they do, no doubt 2 weeks late as always, they will owe me almost 300 bucks.
So what do I do? Are there forms I can file to prevent them from garnishing my EI at 50% or do I just have to wait it out. The fact is, I can't afford it.
My wife lost her job during the summer but recently found something else, at a much lower salary. My income is reduced by EI to less than 50% and with the garnishement, I will bring in less than $800 a month. We are still paying off our lawyers bills, at 600/mn for a previuos case we had with my ex., so my income will barely cover that...let alone the mortage, hydro, food, etc.
It's funny, I have a 4 year old son and all of our xmas gifts to him cost under 100, purchased before I lost my job. My ex. lives in gov't housing, works for cash and collects all she can has already purchased over 600 worth of gifts for our daugher. Granted, our daughter, for whom I am paying support to the ex, no longer lives with her as she is in foster care having been taken out of her custody by catholic children's aid back in Feb. 09.
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