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My husband is in arrears in child support, $8,500.00. I want to get a loan so that I can pay off this debt and he can catch-up. If you want an explaination of the situation, read below. Otherwise, here are my criteria: We do not own a home, we rent. I have a home-based business so income is harder to document for me than others. I own a car, it is only worth about $1,000.00. it's a 1996 Mercedes E320. I also have a 2000 Honda Passport however it doesnt run. Both are paid-off. I think the Passport is worth about $500 in cash. BOTH my husband and I have terrible credit & debt (see below as to why) and I need to get a loan (I can afford $250-300/mo. payments on a loan.) So, with these details, are there any lenders who will loan that amount? SERIOUS ANSWERS ONLY, PLEASE!! OUR BORING STORY: Here's what happened: My husband was a kid when he divorced, he did not hve an atty. & he signed away his life because he knew no better & never knew until now that he could modify the child support amount, etc. When divorced, "reasonable visitation" was ordered (7 yrs. ago) but his ex will not allow him to talk with or see the children. She is actually in contempt but that's another story. The ex wife had my husband paying 30% MORE child support than guidelines require. He should have been paying $229 - $280 based on his income. he earns $1,800/mo. His ex earns $80K + a year. She tricked him into paying $540/mo. in support then didn't allow him to see the kids. That said, he paid that crazy amount of support until he became unemployed in 2008 and he was NEVER behind until now. When he became unemployed, he could only afford to send $200 - 300/mo. instead of the $540. He would call the county & the state and he was always told, "Don't worry, just send what you can on a consistant basis," which HE DID, SO HE THOUGHT HE WAS DOING THE RIGHT THING! All of a sudden he received a contempt letter. Of course he knew he was behind, but he thought that since he spoke with both the county & the sate of SC, that he was okay and that he would not be thrown in jail because he WAS still consistantly sending at least half of what was due. He filed for a modification 2 times over the last year once I realized what was going on after I looked at his divorce papers. he had moved in with me, because he could not afford to live anywhere that didn't have RATS and BUGS and sometimes could not buy fod because of this high support. I am NOT kidding!! I saw where he lived. So, since he was sending away 1/3 of his GROSS income, after taxes, and after his student loan payments, he was left with about $20 a month for food. Living in the rats... So after I saw this, I helped him file for the reduction after I saw his papers when he becme unemployed. NO HEARING DATE WAS EVER SET! WHY? BECAUSE HIS EX-WIFE'S BEST FRIEND IS THE CLERK OF COURT West Virginia THE COUNTY West Virginia WHICH THAT CASE IS A POINT OF INTEREST. NICE, HUH? So, he applied for Legal Aid but we live in West Virginia and that case is in West Virginia so no help, there. he has to handle it all himself because attorneys all want $5K upfront. IF WE HAD $5K, THEN HE WOULD NOT BE West Virginia ARREARS West Virginia HE PRESENTLY IS! (DUH...) So, that is why he is in arrears; he did not know that anything could be modified and he was paying what he thought he was supposed to be, as told by the State. On a consistant basis. Now, to keep him from being sent to jail, because if he goes to jail then he will not be able to run the business with me and therefore it will go under, we need a loan to be able to pay off the arrears. See, he's NOT the deadbeat dd, he is the type of dad who wanted to see his kids, crying on their birthdays and all holidays because he could not speak with them because of a vicious ex-wife...having his Christmas toys mailed back "return to sender..." and, the fact that he has been consistantly paying and WANTS to work to continue to pay--but we have to avoid jail, now. To avoid this, I have to come up with the entire arrears amount immediately. ((I can't believe they treat fathers this way: he paid every penny of that ordered $540 for 6 years until becomming uneployed, then he reported his unemployment & ws then told to "just keep on paying what you can, consistantly." he did... Now theyre trying to throw him in jail!?
First, under limited situations, he could get a modification on his arrears according to Judge David Grey Ross, Commissioner of the Federal Office of Child Support Enforcement. cannot think of a way to get a loan, but you should report this on Dads House to see if anyone has any idea. There's no charge to join. \\\\\\\\\\\\\\\\\\\
Child Support Loans
Lenders generally want a small loan like this paid back within a year or two. I am going to assume a 15% interest rate (I would not be surprised if it would be higher). A 1 year note would have you paying 767,20 a month. A 2 year note would have you paying 412.14 a month. A 3 year note would have you paying 294.66 a month. Lenders will probably limit themselves to the 1 year option which is outside your ability to repay. Some might go for the 2 year note but that is still outside your ability to pay. There will be very few who would do the 3 year note which is right inside your stated ability to pay. Even if you can find one like this, finding one who is willing to overlook your credit, earnings, and lack of collateral will be very hard. Like I said, lenders would probably want a higher interest rate from you with no real collateral, bad credit, and hard to measure income source. This could easily push up the payments. Lets say that a lender wanted 20% instead of the 15% on the 3 year option. That adds another $20 to the monthly payment which means you pay an extra $720 for the loan. The types of lenders who would be willing to give a loan like this would also be the types who are very willing to add all kinds of fees and penalties. These are the guys who like to leech off of people in a bad situation. You should probably not try to get a loan in your present financial condition. I know it sounds like it would fix your problems but it will probably just get you in deeper. You might find that the lender bleeds you of money thru the interest and fees. You should see if you can find a financial advisor thru the government who can help you sort out your financial state. There are programs out there to help people. These people do not give loans but can give you advice on what you can do. They vary from area to area so you might have to do some looking.
Here is the reality check. People with excellent credit ratings are having difficulty securing personal loans. People with bad credit simply cannot get them, not with an interest rate that is anywhere near reasonable. The scammers on Yahoo answers are going to come out of the woodwork to reply to you, but be assured, they are NOT legitimate. All they want to do is relieve you of your money (most request a "downpayment" of some sort, or want you to supply all sorts of personal information you should not be sharing). Child support is an inescapable debt. Even bankruptcy won't absolve your husband of his responsibility. Your best bet is to go back to court and see if you can get a child support modification to a lower amount, but that will be based on his income and not the expenses of his second family (you and any children you may have). It's a hard truth to face, but you have to be realistic about this. If you would find a legitimate place that would loan you that much money unsecured, the interest rate is going to be astronomical and you're going to wind up owing several times more in payback than the original loan, meaning you'd be paying back for decades. And your husband will still be obligated to keep up his support payments.
Paying Back Child Support Arrears
See they make it very easy and have great interest rates. best of luck:-) RE: Poor Credit Loan Needed to IMMEDIATELY pay off back child support to avoid jail.? My husband is in arrears in child support, $8,500.00. I want to get a loan so that I can pay off this debt and he can catch-up. If you want an explaination of the situation, read below. Otherwise, here are my criteria: We do not own a home, we rent. I have a home-based business so income is harder to document for me than others. I own a car, it is only worth about $1,000.00. it's a 1996 Mercedes E320. I also have a 2000 Honda Passport however it doesnt run. Both are paid-off. I think the Passport is worth about $500 in cash. BOTH my husband and I have terrible credit & debt (see below as to why) and I need to get a loan (I can afford $250-300/mo. payments on a loan.) So, with these details, are there any lenders who will loan that amount? SERIOUS ANSWERS ONLY, PLEASE!! OUR BORING STORY: Here's NOT the deadbeat dd, he is the type of dad who wanted to see his kids, crying on their birthdays and all holidays because he could not speak with them because of a vicious ex-wife...having his Christmas toys mailed back " and, the fact that he has been consistantly paying and WANTS to work to continue to pay--but we have to avoid jail, now. To avoid this, I have to come up with the entire arrears amount immediately. ((I can't believe they treat fathers this way: he paid every penny of that ordered $540 for 6 years until becomming uneployed, then he reported his unemployment " he did... Now theyre trying to throw him in jail!?
As far as loans go, you are going to find it next to impossible to find a legitimate loan company to give you a loan. However, you can file a chapter 13 bankruptcy. The way it works it that the child support is considered a secured debt and he will have to pay it, but it is paid in small amounts over a 3 -5 year period. My sister in law had her license suspended for back child support and was looking at going to jail. Her attorney recommended that she file a chapter 13 and when she did it allowed to her to get her liscense back and not go to jail. Then she just paid her regular monthly support plus the monthly bankruptcy payment. The nice thing is that with a chapter 13 most attorneys do not require payment up front and include it in the bankruptcy. The next problem you have is South Carolina. My ex-husband lives there and when I went after him for back child support I was told that I was in luck because they are one of the strictest states when it comes to child support. I do know that they are one state that actually considers the income of the non custodial parent as well as the custodial parent. They also look at the legal obligation of the non custodial parent to support a new family. The problem there is that they only take into consideration any new biological or legally adopted children. If it is a step child they do not care or count that child as his obligation to support.I hope this helps you. And by the way, if you file papers in the court again and do not get a court date because of her best friend working there, go to the papers or contact someone higher up at the court house because she is breaking the law by not allowing the papers to go threw the system just to protect her friend. Good luck.
I suggest you both file bankruptcy if finances are that bad. This will not discharge the child support but could put you two in a better position to catch up on child support payments. It's a terrible situation and I hate the way the system works. You have a father trying his best to do the best he can to support his kids and you have a vindictive ex who just wants to make life miserable for him.
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For the best answers, search on this site won't find a loan with bad credit and no job, you will need to sell something or find more than one job quick that pays before your deadline.