Hitting the Wall

It’s happened. I have finally hit a wall. I realize I have spent the last five years worrying. Constantly. Worrying about money. Worrying about what was going to happen. Worrying about my kids. But mostly worrying about money- when he would pay, if he would pay, how much he would pay.

I FINALLY got everything settled. After more than 2 years of him self-modifying child and spousal support, and almost three years of him paying whenever he felt like it, I FINALLY had an order requiring him to directly deposit a set amount into my bank account on set dates.

Much like my pool that I had wanted for years and finally got, only to enjoy it for a mere six days before my world collapsed, I got to enjoy my victory for a small window of time. One month between court and the day I finally got my first direct deposit. Even that was marred because Jerry Lee texted several days before payment was deposited into my account to tell me he was being garnished.

Six days of having my pool and one direct deposit. That is the story of my life.

I thought the days of waiting for a response and hounding people to get to my case were over. I have been working on this in ernest since January of 2019. I finally had my day in court on July 15th of this year. And now I am back on the hamster wheel trying to get shit done.

I am so tired. I don’t think I have it in me to keep fighting this.

It is Wednesday. The caseworker has not gotten back to me, despite the fact that I emailed her on Saturday morning. My lawyer has not replied to my email or returned my phone call from Monday.

Monday morning the direct deposit came in considerably short, as expected because of the garnishment. I received an email from my lawyer letting me know that she had received a phone call from Jerry Lee’s lawyer. He was informing her that his client’s paycheck had been garnished by Mississippi. Her advice was for me to send that money back, assuming he had paid the correct amount per our order. Isn’t that cute? If only it were that easy.

I wrote her back and told her I had no idea where the money was and that Mississippi had garnished him before his company could put the money into my account. I also told her I had already told him I would send him that money back.

I tried calling her to get a quicker answer because I didn’t know what to do. On one hand she’s telling me to return the money. On the other hand, she’s telling me to return it if he’s paid the correct amount per our order. Well, that’s the Catch-22. He couldn’t pay me what our order required him to because there wasn’t enough left. The part that Mississippi took is floating around out there somewhere. No one seems to know where.

I got her assistant who told me she was on her way to court but she could call me after 2 pm. I waited until after 3 before leaving for lunch.

Today I went down to the Child Support Enforcement agency on my lunch hour. I took my current order and I spoke with a very nice receptionist who seemed to know what she was talking about. Unfortunately, my case had her stymied.

She said there was no record of any payment to my state. She also said that the last correspondence between my caseworker and the state of Mississippi was when MS asked her if they could close the case, and her reply on Aug. 21st, giving them permission. Why on earth they garnished him when they clearly told her he was no longer living in the state is a mystery. She took my name and put me on something called a walk in sheet. I’m not sure I’ll get an email or a phone call any sooner because of this but I at least did something.

I also learned it could take up to two months to get this resolved. Why? Because it’s an interstate case. They have 60 days to respond to anything. Supposedly Indiana can’t be calling them up and asking them for a response any time sooner if they haven’t gone over their allotted time. So, she sent them approval to close this case on Aug. 21st. They technically have until October 21st to do anything. Two full months without a dime in child or spousal support. Potentially.

Right now I feel like I’m beating my head against a brick wall. I can’t get anyone to respond and when someone does share information it’s even more disheartening.

I know I won’t be destitute. My mom has already told me she would loan me money. She feels I’m a safe bet because she knows where I live. The mobster has offered up money as well, if needed.

I’m thankful, but I’m also so frustrated. This. Was. Supposed. To. Be. Over. I’m not supposed to be borrowing money to make it through until I finally get payment. I’m supposed to be socking money away. And what happens if it takes them even longer?

I walked into her office on September 10 for my interstate meeting. She told me to give it 60-90 days. Eleven and a half months later they finally garnish him, despite the fact that he’s no longer living in that state and hasn’t been for more than 8 months. She called and left a message with the customer service rep in February, asking the caseworker to give her a call back. She sent them another email in June, asking for a status update because she had never heard back. They finally reply in August, and tell her he’s moved and they would like permission to close out the case. These are not people that are in a hurry.

You are probably wondering why I didn’t just keep the money and let Jerry Lee sweat it out. Well, as I wrote earlier my lawyer told me I needed to return the money. She’s not answering me once again so I wasn’t sure if she would tell me to keep what little money was deposited and let him worry about how to pay bills, or if she would tell me to return it in order to honor our Virginia court order.

I could keep it, I suppose. However, he’s just going to have his lawyer ask for an emergency hearing to have the direct deposit stopped until this mess is sorted out. Then I have to go through this all over again. I’m trying to avoid that.

There’s also the possibility that his lawyer could seek to have our order voided since Mississippi garnished him. I don’t think that’s as much of a possibility as I did in the beginning, but what do I know?

I think the biggest thing is I’m so tired of being called a bitch, a cunt, a whore, a selfish, money hungry gold digger. I’m tired of the obscene emojis and the hateful comments and the nasty stamps on the envelopes. This was supposed to be the end of that. I didn’t have to communicate with him. I didn’t have to deal with him. It was over. The money was being directly deposited and we never had to speak to one another again.

If I had kept the money I would be dealing with all of that shit all over again. It may come to that.

Strangely, he’s been suspiciously nice. He offered to pay me his share of Picasso’s therapy bill to help me out until this was sorted. He thanked me. I really figured he’d be cussing at me. He called Mississippi once again and was told Indiana has to stop the garnishment. He even told me that Mississippi either wouldn’t or couldn’t tell him where the money is. And, when I asked him if he would help Rock Star out if he could, he agreed to send her the money she needed for the third access code she had to buy for this semester.

Right now I’m simply overwhelmed. Rock Star has started a new semester and there are all sorts of expenses associated with that. I told her I would pay her rent this year and it hasn’t even been a full month back at school and I’m already in financial distress once again. Every time I turn around she has to buy a new fucking access code for one of her classes. They’re over $200 a pop. She’s bought 3 so far. Her sorority dues are coming in. They’d better all be $25 because they’re sure as hell not doing anything these days.

My co-worker was supposed to be on vacation next week. She works from home and her internet is out so took this week off instead. Charged off accounts are crazy this week. Normally I’ll have maybe 10-15 on a busy day. I had 21 yesterday and I’m scheduled to have 29 on Thursday. That doesn’t count any of the requests by people in the branches, or the business close outs, or those that are on mail return. And for some reason I had over 100 cards to close out as well yesterday. I did have help from the staff assistants in closing them, but I still folded all the letters and stuffed most of them. In addition to that I had 40 service fee closures. On a normal day I might have 4-5. A busy day might be 8-10. It’s been an overwhelming amount of work, just with the things that I would normally do; then I add in completing the NSF report every morning and trying to get the fee reversals done and logged for the student accounts.

I’m trying to squeeze in getting this garnishment mess cleared up in between doing my co-worker’s workload and my substantially bigger workload this week. I think I’ve finally caught up somewhat (until I’m stuck with 29 charge offs tomorrow). I’ll shoot off another email to my lawyer and ask her what I do until this mess is sorted out. And I suppose I’ll wait for my caseworker to email or call me back.

I’m so tired.

3 thoughts on “Hitting the Wall

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out /  Change )

Google photo

You are commenting using your Google account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s