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Posts tagged ‘financial responsibility’

The Homeless Dads: The Bad Deal Divorce

John McElhenney still tries to see the balance in his divorce decree. But after losing everything twice, he’s convinced we men need to fight for equal consideration after the marriage has ended.

empty-pockets-robbed-court-orderThe typical divorce is actually pretty painful. The standard DEAL is almost an assault to fatherhood, and we need to fight to change it. In the most common arrangement, Mom gets the kids and house, dad gets the child support payment. It’s how things used to work. But today, unfortunately, the courts still go by this structure unless there is significant fight to something difference.

There are a few problems with this pattern.

chronic-stressThe non-custodial parent is assumed to be a deadbeat when they are calling the AG’s office. You are segmented into custodial or non-custodial parent at the beginning. If you are the non-custodial parent the only reason you’d be calling is you are behind on your child support.

When we complain about unavailable dads, or dads that check-out after divorce, here are a few of the reasons why.

  1. The child support burden is a lot of money.
  2. Dads might be resentful of the “money only” role they are being put in.
  3. When dad is asked to leave the marital home they are often forced to move in with family members or friends, this is largely because of the cost of child support.
  4. In addition to $500+ per kid in child support (estimate) the dad is also asked to pay for health insurance. (Today, in my case this is an additional $1,200 per month with two kids.

burning the constitutionSo let’s see, I’ve got no home. I’m paying $1,200 a month for child support and $1,200 a month for health care. How can I afford an apartment? If I don’t have a killer job ($2,400 after tax expenses before I get a dollar for myself or my survival. Well, that’s a pretty steep hill to climb.

IF the playing field were equal, I would guess a lot more divorces would be negotiated in good faith. Today, even if you declare a collaborative divorce, the issue of money is liable to strike the dad in the pocketbook in a way the mom, to start out with, does not even have to consider. RARE is the case where the dad is given full custody and the mom pays child support.

Shouldn’t we start with 50/50 in both financial responsibility AND parenting time? This is the fight we are fighting in the courts today. I’m considering going back to court to reset the arrangement. I was attempting a collaborative divorce, but in the end I was handed this lopsided deal. I have to earn over $3,000 per month (taking taxes out BEFORE I pay the mom) before I have a chance at even putting food on the table.

baby moneyThis leaves a lot of dads as deadbeats, not because they are actually trying to shirk their responsibility, but because the mom and the court have saddled them up with so much financial liability that they cannot afford to make the payments each month. At that point the dad is subject to financial liens, foreclosure, and checking account freezes.

You know what happens when the AG’s office freezes your account?

  1. The bank charges you $57 – $150 for the freeze.
  2. The bank processes no further payments (rent, car payments, even your child support payments)
  3. You bounce checks.
  4. You’re credit get’s screwed.
  5. You end up with an additional $200 – $400 in fees.

And you know what the AG’s officer will tell you? (The Humans Of Divorce, Dear AG’s Office Special Cases Officer Mr. McK!)

indigent in AmericaFair treatment of fathers begins at the beginning of the relationship. BEFORE you have kids, you can agree to parent 50/50. If that’s the deal, you should have the discussion about if things don’t work out. (I’m not talking prenuptial, just an understanding) In my marriage we started out 50/50, but as soon as she decided she wanted a divorce (yes, it was her idea) the arrangement went to the cutting floor and I was handed the dad deal. A bad deal for everyone.

As the dad can’t afford a nice place for the kids to come visit, they want to come visit less. As mom’s house maintains some of its status and comfort (important for the kids) the dad is left in the cold to fend for himself AFTER he makes all the payments to help the mom stay in the house and live within the lifestyle the couple achieved TOGETHER. Except now it’s not together. And the cooperation you started with before you had kids, becomes a longterm ground war between “the money you owe me” and the money you can afford to pay without suing your ex.

Dad’s are just as important as moms. Even with young kids, the loss of either parent (my dad left when I was 5) is on of the most painful aspects of divorce. For the dad it is doubly devastating: the no longer have a house, and the courts and the AG’s office have now put their credit at risk, making employment and ability to pay even more difficult.

Consider the dads. If you’re a dad consider the courts and get an attorney who can show  you examples of winning in court for fair arrangements.

captiveThe money after divorce should be divided equally. Anything else puts man men at risk for debit issues, credit issues, and put them at risk of suicide and depression. Let’s put the balance back in divorce. Give both parents the benefit of the doubt. And both parents should be advocating for a 50/50 split in the same spirit they entered parenthood, with expectations of a 50/50 partnership. That partnership doesn’t end at divorce. But if we load up the man with all of the financial obligations and punish him for being late on a payment or two, we are hurting all the members of the family. The mom loses when the dad’s account is frozen. Even if the mom didn’t want it to happen. Once you’ve asked the AG’s office into your divorce, they never leave. (Inviting the Dinosaur Into Your Divorce)

We need fair divorce laws. We need courts that will listen to the needs of both parents and consider 50/50 parenting as the desired outcome. Until we stand up and fight for equality AFTER marriage we will continue to be on the losing side of the post-marriage equation.

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