Dit is één van een klein aantal uitzonderingen die uitdrukkelijk in het faillissementsrecht door Congres worden geschreven.

Er zijn onnauwkeurige mythen drijvend rond ongeveer andere soorten schulden (medische schulden, creditcardschulden, enz.) die beweren vaak dat zij niet kunnen worden gelost (niet waar - zij kunnen in faillissement worden gelost), maar kindersteun, spousal steun, over het algemeen al " binnenlandse steun obligations" kan niet in faillissement worden gelost, en dat is geen mythe; het is waar.

The odd thing is why are you being charged a child support debt? If you wife wrongfully collected welfare, they should be going after her, not you. If you paid your support, and have the cancelled checks to prove it, then challenge the finding in court and try to get the debt put back on her.

It depends on how much you owe each company. If you owe, let’s say, $500, they will harass you on the phone, send dunning notices and threat through the mail. It is unlikely, though not impossible, that they will pursue it further because of the cost associated with legal action.

If you owe a substantial amount, legal action may prove beneficial.

The collection agency can file in court for a judgment against you, which will most likely be awarded. Then they have to figure out how to get the money from you. They can attach your bank accounts in the same state where the judgment was granted. They can attach your car if you own one outright.

They can attach your wages, which is where they will go first. A notice will be sent to your employer ordering that a certain percentage of your paycheck be withdrawn and forwarded to the creditor to resolve the debt. The employer has no choice in the matter.

What you might want to do is to call the company and see what, if anything, you can work out. Some credit card companies (if they still hold the debt) have a variety of repayment options, many of them interest-free for up to one year. Other credit card company, unfortunately, won’t talk to you.

Collectors are commissioned on what they collect. They would rather pressure you for big payments than work with you.

Whatever you do, keep copious records of your efforts to contact them, the offers you made, plans you proposed for payback. Note the time, date, numbers you phoned, parties to whom you spoke.

If you get sued, you will be notified. You can appear in court and explain that you have tried to resolve it but that no one would work with you. BUT you must have details of these efforts. A judge is more likely to listen and consider your situation.