I have a large CSA debt and want to negotiate a fair and reasonable way of repaying.....but the CSA won't negotiate
This is my first post on this site so please be gentle with me!!
I have a child that I have payed child support to for many years. Although he has now turned 18 and therefore Child Support is no longer accruing, I have a large debt (in the order of $30,000. CSA recently sent me a letter saying that they were going to deduct 20% of my salary. There are several reasons for the debt but it was essentially because they were using an incorrect income assessment. I also have a 3 year old boy and a wife who both live with me and are supported by me. I want to negotiate a way that I can repay the debt as quickly as I can but does not impact the lives of my wife and child too much. I suggested to CSA that I pay $500 per month (about 25% of what they are demanding) but that was rejected. I filled out an Assets and Liabilities form which clearly showed that I can't meet the repayments that CSA is demanding. However, CSA had decided to disregard this form and demand that I pay an amount that is simply not sustainable given my current financial situation. I have also told them that in a year or so I will be in a better financial position (because of reasons that I can show and document) and at that time I am happy to take out a loan to repay the balance. I have exhausted all of my savings and are in deep financial trouble now and dont see what I can do to negotiate a repayment plan that is servicable but also pays out the debt as quickly as possible. Does anyone know of successful negotiations with CSA? Is there any legal avenue I can take or someother way I can prove my capacity to pay that would impact CSA's decission to take so much money? Any suggestions would be extremely helpful and useful since I am under stress that I simply can't bear as a result of this action.