Child support question..just wondering..

[Fedupandtired]

I pay my ex $750 a month. It comes out of my account on the second of every month. But having that large amount come out on one cheque makes me almost broke with my mortgage payment coming out of the same cheque. I'm just wondering if I can giver her $375 on the second and then again on the 15th without consulting my lawyer? Can I just arrange this with the bank?

Thanks.

[ConcernenedStepMom78]

You can ask her if she would be willing to accept the payments bi weekly, and if she agree then ya you can set it up with your bank.

[Fedupandtired]

She wouldn't agree. I don't even want to look at her much less talk to her.

Thanks.

[ConcernenedStepMom78]

if she wont agree then you can set it up wit Family Resonsibilities Office

[NBDad]

Do you have a separation agreement or court order that dictates how much and when?

If you do, then you need either her WRITTEN agreement, or you have to go through the lawyer.

If neither of those is an option, then what I would suggest to you is to SAVE 375 on the 15th and pretend that it's for your support. Then you'll have the extra on the 1st. Slide it into a savings account until then if you need to.

Yes, it means for the first month, you'll have to tighten your belt a hair.

A budget is relative. If you KNOW you have a big lump sump due on the first, then you take a little bit on the 15th and offset the upcoming big payment with it. Is your bank maybe willing to play with the mortgage dates instead?

IF you are in Ontario, then you can try the FRO, however they are a nightmare to deal with (or so I hear) and they'll enforce the order.

[Fedupandtired]

My agreement does not have how much and when. My income goes up and down each year so I go by the chart and give her what I am supposed to. I do budget. I just thought this would be easier for me. Oh well.

Thanks.

[ConcernenedStepMom78]

And Yes FRO can be a nightmare

[Fedupandtired]

Yea I don't want to deal with fro..

[ConcernenedStepMom78]

If there is no agrement then you are not bound by anyhting, she can take you to court, but what is there to back her claim? Can you suggest mediation or is she just snother person out for what she wants..."her way, or the highway?"

[NBDad]

You *might* be able to do it if you give her sufficient notice of your intent (so it's just not dropped on her all of a sudden).

How do you pay? By check? email money xfer?

Simply send her an email indicating that you will be paying 1/2 on the 1st and 1/2 on the 15th due to other bills, and you want to spread things out a little more evenly.

"I realize this may require a bit of juggling on your part as well, so I am giving you X days notice so you may make any necessary adjustments to your own budget."


Ask your lawyer what's acceptable.

[Rioe]

It really sounds like you don't want to have to deal with her to negogiate any changes in any way, so your two options are to tighten the budget for a month or so in order to get a bit ahead (carry a higher minimum balance) so that it's not such a big hit, or to ask the bank if they can reschedule your mortgage payment to a different day. Is your mortgage monthly? Go biweekly, or even accelerated biweekly and that can shave months or years off your mortgage in interest saved!