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Just because you pay someone child support, it does not give them the right to know about your financial business!

Last year I lost my job of 10 years to a person overseas. With the economy the way it is, it took me 3 months to find another job. During my time out of work we never missed a child support payment to my husbands ex-gf.

Our house payment got behind two months and when this happens (in case anyone wants to know), the mortgage company will not accept a payment for the current month unless it is for the entire amount past due. For the last 9 months we've been trying to get a loan modification. The mortgage company jerked us around majorly. Every other week they wanted more pay stubs and more bank statements. During this, they were bought by another mortage company which made us have to start the process all over. Finally they said that we didn't qualify for a loan modification because my job is not a permanent job. I had to take a job as a contractor (like a temp to hire deal). They referred us to HUD. We called HUD and were given a credit counselor who specialized with working with the mortgage company. For three months we waited and continued to send them more pay stubs and more bank statements. THEN we get a notice in the mail of a court date to sell our house.

At that point we had no other option but to file chapter 13 bankruptcy in order to keep our house.

Now to get to my point...

Because we pay DHs ex child support, she was considered a creditor and therefore got a copy of EVERYTHING that the other creditors received. She now knows all of our debt and how much a month we have to pay to keep our house.

Here's my debate. Since obviously you can't file bankruptcy on child support, WHY is the receiver of the child support entitled to my personal business?

Side note. When the ex found out that we had to file, she wanted to get the name of the lawyer because her and her husband were going to have to file.

I bet we won't be getting any of her personal information when she files.

That does seem wrong to me as well.

Good point, Tali. Plus, remember, most anything we handle in courts at all is ALMOST all public info... that can be both good and bad, but it is what it is.

Could be extremely bad for those who like to go to court. What better time to take your ex to court than when you know that they can't afford it.

Good thing DH's ex isn't court happy.

"You do not have to avail yourself to the state. You could work out agreements with all your creditors on your own."

LOL Tali, normally that is true if one doesn't have to go bankrupt to save their house. When you file chapter 13, they don't let you work out agreements with your creditors. You pretty much have to do what they say.

Realistically? Maybe. Maybe you might need to to prevent creditors from seizing assets (such as your house).