90 Centrepointe Dr, Ottawa, Ontario

Using life insurance to secure support

June 7, 2017

It’s not uncommon for payors of support- whether it’s child support or spousal support- to have their support obligations secured by a life insurance policy. If the payor dies prematurely, the life insurance policy is available to satisfy the remaining balance of their support payments. A court can order that support be secured by way…

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The price of delay- tackle your family law problem right away

June 1, 2017

One of the principles behind our legal system is that once you’re served with documents, if you don’t do anything to defend yourself, then, at some point, you can be noted in default and the case will proceed along without you. Once an order is made against you, you’ll get served with a copy of…

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Child Support

Every parent in Ontario has an obligation to financially support their children. The amount of child support payable is determined in accordance with the federal Child Support Guidelines. In scenarios where primary residential custody resides primarily with one parent (the custodial parent), the amount of child support payable is determined by the income of the access parent. The Child Support Guidelines are, essentially, provincial tables listing monthly child support amounts which correspond to the number of children, and income, of the payor parent. The basic level of child support (i.e. the table amount) is not negotiable- it’s an amount the government has determined is fair given the payor’s income and number of children he or she is supporting.

However, there is often child support payable in addition to the table amount of support. This support is for what are called ‘extraordinary expenses’, also known as s. 7 expenses. These expenses include the cost of daycare, sports or other extracurricular activities, private school tuition, orthodontic costs or other medical expenses, and postsecondary education. Allocating responsibility for these costs as between two parents is not as clear cut as determining the table amount of support payable under the Guidelines. Section 7 expenses must consider both the needs of the child and the parties respective abilities to pay.

While one parent might feel that it’s important for their child to be enrolled in an expensive competitive sport, for example, a court might conclude that, taken as a whole, there isn’t room in the family budget to support such an endeavour. In other words, one parent doesn’t get to unilaterally incur an expense, and then demand that the other parent contribute towards the cost. There can be significant disagreement between parents about which extraordinary expenses are justified, particularly when expenses like postsecondary education have become so high.

The fact that someone is obligated to support their children financially doesn’t mean the payment of child support is automatic. Like any other right, it has to be pursued and enforced. If you don’t have a written agreement outlining child support obligations, or the payor isn’t paying support, you need to apply to the courts for a court order. Although it’s preferable to arrive at an agreement without having to resort to litigation, there are many circumstances, particularly in acrimonious situations, where a negotiated agreement is not possible.

Having a court order or agreement in place is one thing, enforcing it is another. Once you have a court order or agreement, if there is any default on the part of the payor, then the order or agreement can be enforced through the Family Responsibility Office (FRO). FRO has a variety of mechanisms at their disposal, including the ability to suspend a payor’s driver’s license, to make sure that payors are honouring support orders. That said, it’s not uncommon for support orders to go unpaid, sometimes for years.

Given that most people’s incomes are not static from year to year, the amount payable for child support will also vary. Ideally, parents will exchange financial information annually so that the table amount of support, and any s. 7 expenses, can be adjusted for and kept up to date. However, if a payor refuses to provide a recipient with ongoing financial information (usually in the form of tax returns, notices of assessment, and employment pay stubs), then that parent may have to go to court in order to compel the payor to disclose this information. Without current financial details, there really is no way of knowing whether a payor is making adequate child support payments or not.

Similarly, a payor can also apply to court to have their child support obligations reduced if their income decreases.

As a court may be reluctant to award retroactive child support if you have delayed in bringing your Application or Motion to Change forward, you’re best to initiate proceedings as soon as possible.

It can be challenging to ascertain the amount of child support payable when a payor is intentionally unemployed, or underemployed. Since parents are expected to financially support their children, they are not entitled to become full time students in lieu of paid work. Nor are they entitled to accept work at a lower wage than they are capable of earning. If a payor chooses underemployment or unemployment, a judge has the option of imputing income to them. So, if it’s determined that a payor is capable of earning a salary of $50,000.00 a year, for example, then they will be required to pay child support based on this imputed income, notwithstanding that they aren’t actually earning that salary.

Child support ends when a child is 18 and is no longer a child of the marriage. An adult child will continue to be a child of the marriage if they are enrolled in postsecondary education, at least for the completion of the first degree or diploma.

Family Law

Separation Agreements

When people are contemplating divorce, the goal is to negotiate a mutually-acceptable separation agreement between spouses which addresses outstanding issues.

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Prices

Clients want to know how much a lawyer will cost. This depends on many factors, including the level of animosity that exists between the parties and/or the lawyers.

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Property Division

When married people separate, both spouses are entitled to an equalization of the net family property. Marriage is considered a financial partnership.

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Litigation

Litigation is expensive, contentious and highly emotional. Litigation may be necessary if the alternative means that you don’t have any chance of getting what you’re entitled to.

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Child Support

Parents in Ontario have an obligation to financially support their children. The amount payable is determined in accordance with the federal Child Support Guidelines.

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Spousal Support

Spousal support, also known by the American term ‘alimony’, refers to ongoing maintenance given to a spouse which is either for an indefinite, or fixed, term.

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Unbundled Services

With the cost of legal services- particularly litigation- being so high, it’s not always possible to be able to afford full representation from a lawyer throughout your case.

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Child Custody

When people separate, it can be difficult to negotiate a workable custody and access schedule, particularly if both parties are not planning on residing in the same city.

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Uncontested Divorce

Divorce is usually the final step in the separation process. It happens after the separation agreement is negotiated and signed, or after a final order.

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Why use me as your lawyer?

I'm a lawyer representing clients in Kanata, Nepean, and the west-end of Ottawa.

Kerry Fox, LL.B.
Barrister & Solicitor

90 Centrepointe Dr,
Nepean, ON K2G 6B1

Tel: (613) 224-4400
Fax: (613) 226-8767

Hours & Information

There is plenty of free parking located at the back of the building.

Monday to Friday
8:30AM - 5:00PM
I also have Saturday appointments available.