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Advice on how to deal with back child support

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Mark Cappel
UpdatedOct 4, 2007
Key Takeaways:
  • Child support is not dischargeable in bankruptcy.
  • Child support cannot be negotiated for a lesser amount, generally speaking.
My husband has $40,000 in child support, will the child support division consider a settlement?

My husband has $40,000 in back child support - they keep garnishing our checking account and we are stressing all the time even though he pays every month for the last 10 years. Will they let us refinance to pay this type of debt off? Will the child support division consider a settlement?

Generally speaking, a debt consolidation loan can be used to repay any outstanding debt you owe, including delinquent child support. A debt consolidation loan is essentially a home equity loan which you use to pay off other creditors. Since you are borrowing money against your home equity to repay debts, most lenders do not care what type of debt you are using the money to repay. Sometimes, lenders for debt consolidation loans place conditions on the loan, such as requiring you to use the loan proceeds to repay certain accounts. Such restrictions are especially common for borrowers with poor credit. makes it easy to compare mortgage offers and different loan types. Please visit the loan page and find a loan that meets your needs.

If you do not own a home, you may be able to obtain an unsecured debt consolidation loan, which is basically an unsecured personal loan which you use to pay off your creditors. Interest rates on unsecured consolidation loans tend to be significantly higher than the rates on their secured counterparts. Hopefully, you will be able to find a loan that you will fit your needs.

If you would like to read more about debt consolidation loans, I encourage you to visit the Debt Consolidation Resources page. Enter your contact information in the Savings Center at the top of the page, and we can have several pre-screened lenders contact you to discuss the consolidation options available to you.

Child support cannot be included in credit counseling or debt settlement programs. You may want a free debt consultation with one of Bill’s approved debt help partners.

If you find that a consolidation loan is not a workable solution for you, you may want to contact the child support administration in your area to discuss available plans to bring your child support obligations current - but none of these obligations are dischargeable in a bankruptcy, so none of them can be negotiated for an amount less than what is due.

I wish you the best of luck in resolving your outstanding obligations. I hope that the information I have provided will help you Find. Learn. Save.