Breaking
News: A Flaw in the Child
Support System Destroys the Credit of Noncustodial Parents is Identified in this Release
New York, New York – When noncustodial parents’ income circumstances change to warrant a reduction of their child support obligations, in accordance with their
state’s child support payment guidelines, they must obtain new child support orders,
which can take months.
The Problem
Before
most judges will grant what is known as a “downward modification”, which is a
reduced child support payment obligation, noncustodial parents are required to
provide several paystubs that show their earnings have been significantly
reduced. If a noncustodial parent is
unemployed at the time they attempt to obtain a downward modification, their
requests are denied in most cases and they are required to demonstrate to the
court they are unable to obtain a job that generates earnings equivalent to the
job they lost. Once noncustodial parents
are able to demonstrate to the court they are eligible for a downward
modification, they have accumulated considerable arrears. If noncustodial parents have not accumulated
arrears, even if their circumstances warrant a downward modification, they may
be denied because they have proven they can maintain their current child
support obligation. Once noncustodial
parents accumulate child support arrears, the Office of Child Support Enforcement
reports their delinquent payment history to all three credit bureaus. To make matters worse, Supreme Court laws
like Lepis
v. Lepis, and requiring 18 months before granting modifications, prevent
noncustodial parents from receiving downward modifications until their new
circumstances are deemed to be permanent, thus healthy credit profiles are destroyed. Many judges, who issue court orders granting
downward modifications, include provisions that enable noncustodial parents to pay
their arrears over time, but no provisions are provided to repair a
noncustodial parent’s credit destroyed by the child support system.
The Real Questions
Individuals
who have poor credit profiles are denied loans, employment, automobiles,
mortgages, and denied the ability to simply rent an apartment. Derogatory child support information, and
child support judgments on noncustodial parents’ credit profiles, immediately
label them as “deadbeat parents” who
don’t take care of their children. How
do millions of noncustodial parents, who have derogatory child support
information or child support judgments on their credit profiles, convince employers
they are not irresponsible deadbeats who neglect their children? What happens when that employer, loan
officer, auto finance manager, or rental office manager happens to be a single
custodial parent? Although we all know
the answer to this question, the real question is how does a noncustodial
parent prevent or fix this problem? Are
we helping noncustodial parents pay their child support arrears if we damage
their ability to obtain employment, promotions, etc.?
The Solution: Project Child Support Teams Up
with Kredit Koncepts
Until
laws are passed that require derogatory child support information and judgments
provided to credit bureaus be removed when a noncustodial parent’s
circumstances warrant a downward modification, noncustodial parents must seek
private legal and credit restoration services.
Once a noncustodial parent obtains a new court order that modifies an
order associated with any derogatory child support information or child support
judgment on their credit report, Project Child Support will provide services to
enable Kredit Koncepts to have the information removed. Kredit Koncetps is a full service credit
restoration company that provides services to remove erroneous and derogatory
credit information from their customer’s three credit bureaus. The new program will be called the “Amnesty Program with Credit Restoration Services”.
In addition to providing services to assist noncustodial parents in
obtaining court orders to restructure their child support obligations and
arrears, the Project Child Support initiative provides the following services through
its Amnesty Program:
- Noncustodial parents are provided with employment agencies to
help them obtain employment and to confirm they are seeking employment
- Noncustodial parents receive letters for prospective employers
that explain the circumstances relating to their arrears, to increase their
chances of obtaining employment
- Noncustodial parents receive credit analysis and service to
remove derogatory information that warrants removal, including any errors
- Once noncustodial parents receive a new court order, they will receive the credit restoration services at no additional cost to remove their derogatory child support information from their credit profile
- Once noncustodial parents receive a new court order, they will receive the credit restoration services at no additional cost to remove their derogatory child support information from their credit profile
To
support the demand the Amnesty Program with Credit Restoration Service will
generate, Project Child Support is gearing up to support an average of 400
noncustodial parent accounts per month from Kredit Koncepts. Project Child Support will receive accounts
from Kredit Koncepts that need the services of the Amnesty Program, and Kredit
Koncepts will receive accounts from Project Child Support who need credit
restoration services. “When seeking a
court order for a downward modification or for the restructure of arrears, noncustodial
parents also need investigative services to confirm they do not have any
additional revenue streams they are hiding.
The also need legal services to obtain a court order to structure the
payment of their arrears, and stop enforcement actions. The restoration of driver’s licenses, the
discharge of arrest warrants, and the discharges of levies are the type of
enforcement actions the Amnesty Program can provide. Since we know how to assist custodial parents
in collecting their arrears though our Collection Program, we know how to help
noncustodial parents and understand the flaws within the system. When the laws and procedures were created to
require noncustodial parents to wait months before granting them downward
modifications, it was not taken into consideration the damages they would
incur. Our new program was created to
repair those damages” says Kai D. Patterson, Founder of Project Child Support.
Kai D. Patterson created
Project Child Support in honor of his mother, who was unable to collect child
support from Mr. Patterson’s father, which provides affordable and free
services to parents (See: Patterson’s Story). The program provides a 24-hour call center to
enable custodial and noncustodial parents to schedule consultations and receive
assistance by calling 855-851-HELP (4357).
FOR MORE INFORMATION, PARENTS MAY CONTACT
Project Child Support at (855) 851-HELP or (855) 851-4357
or via e-mail at support@projectchildsupport.com
#Kai Patterson #Kai D. Patterson #Project Child Support #Bounty Alert