A few questions from a newly single mummy....

[TyBean]

Well it seems as though it is official this time... I have to do what is best for Tyler.... he deserves to be in a safe and loving environment.... to make a very long story short... I am a newly single mum... I am in the process of packing now.... by jeepers do I have a lot of stuff!! haha....

I have a few questions though.... as it is worrying me now it is all starting to hit home... and now its starting to stress me...

How do you afford to live??.... I don't want to go back to work... I want to be a SAHM to Tyler.... but if I don't have money coming in how do I do that??...

The ex has said he is not going to pay any child support.... can he get out of paying it??...

We have joint loans together (basically so the centrelink money could be included in the income).... one is for my new car... so I don't mind paying the 75 bucks for that... but the other is 192... but it is all his loans consolidated and a few grand from my old car.... how does it get divided up as to who pays what??... this is what I am freaking about... also the fact he maxed out 3500 on my credit card and now I also have to pay that back as well.... does anyone know what happens with joint loans??

Both our names are on the lease for this house.... is there a way I can come off the lease??... and possibly get the bond money back??
I'll probaby have heaps more questions.... I'm sorry.... but I just thought I would ask to see if anyone knows anything about it...

I am so scared and stressed... I have so many things running around in my head right now.... I just want to curl up and cry!!... but I can't...

Anywho... thanks in advance girls!!

[GraceUnhearing]

i dont really have any advice sweet
but i just wanted to give you some of these

:hugs: :hugs: :hugs:

you are doing the right thing

[Amberlea]

How do you afford to live??....

The ex has said he is not going to pay any child support.... can he get out of paying it??...


Both our names are on the lease for this house.... is there a way I can come off the lease??... and possibly get the bond money back??


First answer - we afford to live by budgeting well lol.. you come to realise what necessities are, and organise your money accordingly.

#2 - If he is working a legit job - no he can't get out of paying Child Support (he can try all he likes - but the only way to get out of it is by quitting his job or working cash in hand and not declaring his income).
Let Child Support sort him out from their end.

#3 Yes you can have your name taken off the lease - you will need to talk to the agent about it.
As for the bond - if it is in both of your names - then even if your name is taken off the lease - half of the bond will be returned to you.
(double check with the tenancy authority and let them know the situation)

Can't help with the rest sorry.

[scorpio83]

The joint loans will probably be divided, either so both pay equal share, or if you can prove that he spent $X he should be liable for that amount. I think they can do a consent order so the finances are sorted. You can get a consent order kit from the magistrates court. Just look the number up in the phone book, or ask a solicitor, however for the consent order kit to work, both parties have to agree. Would be worth seeing a solicitor just in case he disagrees. Good luck.:thumbsup:

[motherlylove]

you will be entitled to centrelink payments maybe you can find some cheap accomodation or see department of housing centrelink also has a once off crisis payment. He has to pay child support he has no choice.

The real estate will take your name off the lease and u will get half the bond. As for joint loans i have no idea there sorry.

Goodluck with it all

[Veritas]

These lovely ladies have already given you some great advice....

The one thing I would say is if you are worried about joint accounts/debts etc, it may be wise to seek some legal advice just to make sure everything is fair....

[SamanthaJane]

What? I didn't know this had happened.

I have no idea in regards to your questions, as me and my ex had nothing joint - except for Charlotte, of course! But i do wish you all the best hun. I'm here if you need to chat, PM me whenver you want!!! :hugs:

[daddaddad]

I don't know too much about breaking rental leases etc but in relation to the credit cards and car finance, my advice is to get on the front foot. I'd suggest contacting the bank or finance company, letting them know the situation and arranging a payment plan of some description.

I think you will get a much more symapthetic ear earlier rather than when you start missing re-payments.

The bank etc are going to hold the person named on the account (you for the credit card) responsible for the debt. Unless you comunicate with them, they are not going to be interested in your personal situation.

There will come a time in the future where the result of a credit check will be important to you. You don't want to get stuck in a rutt right from the start.

[Dea]

you have asked all my ?.. we have a house & a personal loan .. im happy to pay half the personal loan but wont be able to do the house .... im not leaving just yet but need to know if i do go ... i have things in action for if i do ....
cheers
let me know how you go with it all
xxxxx

[Mum2Bug]

OMG:hugs: I really didnt know things had gotten that bad!

Ok first thing Monday contact Centrelink and Child Support Agency and get all of that sorted out. I dont know anything about the joint finances stuff but daddaddad is right, the name on any cards etc IS the person liable for them.

The others have given you some sound advice. I also recommend getting legal advice, either through legal aid or your local womens service. They can help guide you through it all, including helping you find accommodation. Also make an appointment with legal aid to start sorting out residency application for custody of Tyler.

He cant get out of paying child support, despite what he says, unless he quits his job and works cash in hand etc.

I hope it all works out for you. Take care of yourself and Im here if you need to chat more!!!:hugs:

[OneBabyBoy]

There was a thread a little while ago that had everything you need to know on it, i'll see if I can find it.

[Chanelc]

Sorry don't know your history were you married or defacto and which state - speak to legal aid as they will let you know how the debts and income is split.
I cna't comment on how mums cope not working I had to go back to work to cover cost - guess that is just life as the ex claims he is poor and centrelink can't do anything as he lies to the ATO.
Goodluck with the move stay strong

[OneBabyBoy]

Here it is. It was created by the lovely Karrina

http://www.bubhub.com.au/community/forums/showthread.php?t=85571

Good luck with everything :hugs:

[TyBean]

Thanks for all your help girls!!! It is very much appreciated...

After I did this thread I 'gave in' again but have since discovered numerous things and as of this morning I became a single mummy.... I am coping alright now... I was a bit of a mess this morning when I found things but I am coping good so far!! but a breakdown will eventually be on the horizon....

I moved in with mum today and got everything out of the house while he was at work as I figured it was safer that way...

I have no idea what is going to happen but I have lots of things to organise....

But I just wanted to say thank you for all your help girlies!!! I very much appreciate it!! :hugs: :hugs: :hugs: :hugs:

[Hokey Pokey]

Child Support, if he is on the birth certificate then yes he has to pay.

I suggest you seek some legal aide to help with the finances etc and who is to pay what.

Best of luck

xxxxx