How to Save Money on Child Support Debt

If your minor child lives with an ex, you can expect to pay child support. Child support payments are often determined by a judge, and actual payment amounts are a percentage of your monthly income. Although you’re obligated to make child support payments each month or week, payments can become a financial burden, in which you may seek to have your child support debt reduced.

Difficulty: Moderate

Instructions

1. Find an experienced attorney. If you want to reduce your child support debt, contact an attorney experienced in family law. They’re familiar with the most recent child support laws, and they can offer practical advice on how to lower your monthly child support obligation.

2. Schedule a court date. You’ll need the court’s approval to lower your child support debt. Contact your local court system and request a court date. On average, it takes between two and four months to receive a date.

3. Keep accurate financial records. The judge overseeing your case will request detailed financial information. This helps him determine a fair child support payment. On your court date, arrive at the courthouse with all your financial documents in hand. This includes paycheck stubs and a list of verifiable monthly expenses.

4. Ask the court to grant joint custody. Having a joint custody arrangement may not stop child support payments. However, this arrangement can reduce your monthly child support debt and help you save money.

5. Prove that your circumstances have changed. If you lose your job, become ill and are unable to work, or start earning less money, a judge may take your changed circumstance into account and reduce your child support debt.

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on 5/1/2009 Your information would be right on target, if states were following the guidelines. Virginia doesn't.