Your Child Support Judgment Is A Vital and Indispensable Tool. It Has Power. You Have Power.
With your child support judgment, you have the power to obtain credit reports on the other parent, investigate his financial background, including but not limited to his current income, past income, money in the bank, investments, money earned under the table, real property and a lot more. What? Nobody ever told you this before? You didn’t know? CSE didn’t bother to mention that they could have done this on your behalf or given you to option of doing this on your own?
Let me be the one to inform you. Your child support judgment has the power to make people talk to you about the other parent and to give you the goods on them. If his boss refuses to give you information on the deadbeat’s employment, such as the amount of hours he works or how much money he earns, you don’t have to beg and plead and hope that he comes around and sees your side. If his mother or sister or brother or best friend has knows where he lives or works but wouldn’t dare tell you because you are looked upon as the enemy (raising the deadbeats children without proper child support money not withstanding), you don’t have to stick your tail between your legs to ask them.
Use your judgment to ask the judge to allow you to subpoena those with information. Subpoena them one – subpoena them all. Compel them to give you the information that you seek, under oath and with the threat of contempt of court. This is a great route to go rather than to ask any of them anything anyway, because unless they have a bad relationship with the deadbeat (and they may), they will feel like they are in the middle. In the middle of doing what’s right by helping you to collect money for your kids and in the middle of protecting someone that they may feel a sense of loyalty to. I look at it this way, -serving them with a subpoena is a gift because you remove the choice of whether to be loyal or to have a conscience. When served with a subpoena, they have no choice but to comply, or face contempt of court themselves. Loyalty goes but so far.
Use your judgment to obtain credit reports which can tell you where the deadbeat has bank accounts, investments, where he lives, works and plays. All of what you learn can be nuggets of gold which you can melt down and use to collect your support money. Just like Macy’s would be entitled to obtain a copy of the credit report and use whatever information that they find to collect their debt, so can you.
Use your judgment to place a lien on bank accounts, PayPal accounts (a great place where deadbeats are hiding money these days), and any and every asset that you find. That fancy new car that he’s driving but can’t afford to pay you, that off-the-books mechanic shop or barbershop or landscaping company that he’s running and for which he owns equipment…
The judgment is a legal document that says that the deadbeat owes you money. It is not a fluid amount so unlike the arrears amount in the CSE office, it does not change (you have to go back and get another judgment for additional sums if they continue to accumulate). On the day that you receive your judgment it will have a dollar amount that is owed and that is the dollar amount that you are entitled to collect under the judgment.
How does it work? Having this judgment document makes you a judgment creditor under the law and it places you on the very same level as any corporation, for example, that sues someone because they did not pay a bill and are now entitled to the debtor’s resources. Let me explain some more. Let’s say that you run up a bill on your Macy’s charge card and you either can’t or don’t pay it. Macy’s gets fed up and they sue you. They win the lawsuit because you did indeed run up the bill and you did not pay it off. You have no defense such as mistaken identity or fraud. You owe the money and you are obligated to pay the debt. Because Macy’s won their case against you, they are now a judgment creditor because they extended credit to you and they now have a judgment against you. Macy’s can now place liens on your accounts, on your house, your car, etc. They can place a lien on or seize any property they find which belongs to you. As a judgment creditor, you would have the same rights as a company such as in my Macy’s example. The very same rights. No more. No less.
Your child support judgment is king – or shall we say, Queen.
Depending on where you live, child support arrears automatically reduce to a judgment after a period of time or dollar amount. In other arrears you have to request that your arrears be reduced to a judgment. Sometimes a CSE agency will tell you that you do have a judgment and many times they are wrong. I always encourage moms to get a physical copy of the judgment and have it in her hands so that she knows for sure. There is more in the document library about how to do this because you want to make sure that you have the correct document and CSE will drive you crazy if you don’t know exactly what you need and how to get it from them.
Once you have your judgment, it will go a long way to help you to collect your child support arrears because the deadbeat’s income and asset stream will be your oyster. Place liens and seize expensive cars, apartment security deposits, houses, bank accounts…the list is as endless as anything that the deadbeat owns.
Feeling overwhelmed and wondering if this is all possible? Don’t. It is possible and it is not as scary or as overwhelming as it may seem. Do this step by step and do it strategically. All of the information that you need is located in our document library. Take a deep breath and dig in.
Do you know if you have a judgment for your child support arrears?
Did you know that you could use your judgment to investigate the non-paying parent?
What might you do differently now?
Please comment below.
Wishing you the best,
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