Can't Paying for a child that's not mine legally

[IndyDad1on1]

Well his name is on the account with me being priority of the account

Never heard of such thing except on minor accounts, even then they are still called joint accounts. Fact is a signer on an account is a signer plain and simple.

Your signature listing may be flagged for reporting interest to the IRS but thats all that is.

 

[penelope10]

Never heard of such thing except on minor accounts, even then they are still called joint accounts. Fact is a signer on an account is a signer plain and simple.

Your signature listing may be flagged for reporting interest to the IRS but thats all that is.

Back in the day, the first name appearing on the account was called the primary account holder, the other name would be called the secondary account holder. Interest reported to the IRS is under the primary account holder's SS#.

Anyway, at least I think that is what she was referring to when she said she was the priority on the account.

 

[IndyDad1on1]

Back in the day, the first name appearing on the account was called the primary account holder, the other name would be called the secondary account holder. Interest reported to the IRS is under the primary account holder's SS#.

Anyway, at least I think that is what she was referring to when she said she was the priority on the account.

That is what people see not how the systems read it. In the banking system there is a Tax ID Flag which can be set to signer 1 or 2 or 3 and so on but only contains I signers ssn.

Yes they still use the term Primary and Secondary signers but that means nothing. In the event of garnishments, liens, levies, check system reporting, etc both signers are equally responsible and equally liability.

So her being priority or primary means absolutely nothing. She can clarify this with the Deposit Services Department of her bank or the Loss Prevention Department. Both areas deal with the holds, garnishments, etc.

 

[casa]

Never heard of such thing except on minor accounts, even then they are still called joint accounts. Fact is a signer on an account is a signer plain and simple.

Your signature listing may be flagged for reporting interest to the IRS but thats all that is.

It's possible there is a verbiage variation from GA to IN.

 

[penelope10]

That is what people see not how the systems read it. In the banking system there is a Tax ID Flag which can be set to signer 1 or 2 or 3 and so on but only contains I signers ssn.

Yes they still use the term Primary and Secondary signers but that means nothing. In the event of garnishments, liens, levies, check system reporting, etc both signers are equally responsible and equally liability.

So her being priority or primary means absolutely nothing. She can clarify this with the Deposit Services Department of her bank or the Loss Prevention Department. Both areas deal with the holds, garnishments, etc.

I agree with you, this is a joint account and therefore it can be garnished etc. Sorry, was just trying to clarify what OP was probably referring to when she stated she was the
prioriity on the account.

 

[IndyDad1on1]

The only verbiage difference is to coincides with a states laws or statutes which in my prior experience usually was privacy laws, no call laws and procedures in regards to responding times of garnishments, levy s, liens things like that.

As for ownership, responsibilities and liabilities of a personal account checking, savings, cd owner the rules where the same in all states the bank I worked for serviced. Also I've dealt with almost if not all major banks in the us and some worldwide, as for the major US banks same rules applied there too.

If you are on that signature card and in the system as a signer your an owner of the account. When it comes to liens, levies, garnishments, administrative holds, etc no matter if you are primary or not the account gets hit.

All security/loss prevention needs is a name / social security number or name / address match to complete the hold.

 

[momandsmom003]

I read through all of the posts. And yes, they are correct. This is something I know a lot about. My first hubby did not work and I did. Before I got smart and dumped him, I tried to keep up will all the bills and pay his C.S. b/c I knew the kids needed it. I had 1 by him and there were 3 more in the mix before my 1. Well guess what. The first year we filed income taxes together. The earned income credit that was due to ME and MY son (he had not worked all year, only me) was taken and given to the state for past due C.S. I was really mad. Only b/c I had worked all year and was planning on doing something really nice for my son. B/c I was eligible for earned income credit. The amount taken from me was around 2,500 - that's a big chunk of change to pay for children that are not mine.

It will and can happen, just be prepared. If they don't get it from a joint account they will get is some how.

 

[SMinNJ]

I read through all of the posts. And yes, they are correct. This is something I know a lot about. My first hubby did not work and I did. Before I got smart and dumped him, I tried to keep up will all the bills and pay his C.S. b/c I knew the kids needed it. I had 1 by him and there were 3 more in the mix before my 1. Well guess what. The first year we filed income taxes together. The earned income credit that was due to ME and MY son (he had not worked all year, only me) was taken and given to the state for past due C.S. I was really mad. Only b/c I had worked all year and was planning on doing something really nice for my son. B/c I was eligible for earned income credit. The amount taken from me was around 2,500 - that's a big chunk of change to pay for children that are not mine.

It will and can happen, just be prepared. If they don't get it from a joint account they will get is some how.

Simple way to keep your tax refund is to file an injured spouse form with the IRS. This will guarantee that the portion of the tax refund that belongs to you (which should be all of it because he doesn't work) will still come to you, and they will simply withhold the portion that belongs to him.

 

[momandsmom003]

Simple way to keep your tax refund is to file an injured spouse form with the IRS. This will guarantee that the portion of the tax refund that belongs to you (which should be all of it because he doesn't work) will still come to you, and they will simply withhold the portion that belongs to him.

Yeah, I know this NOW I didn't when this first happened to me. When I finally figured it out, it was too late for that year, the next year, I filed in like Feb. It took till Aug. before I got my refund. Yeah, he didn't work for like 2 or 3 years or so. That is one of the reason's he was my ex. He has since passed away (god rest his soul). But I had divorced him before that.

 

[SMinNJ]

Yeah, I know this NOW I didn't when this first happened to me. When I finally figured it out, it was too late for that year, the next year, I filed in like Feb. It took till Aug. before I got my refund. Yeah, he didn't work for like 2 or 3 years or so. That is one of the reason's he was my ex. He has since passed away (god rest his soul). But I had divorced him before that.

Oops All the more reason to let OP know about it so she can protect herself, since it can pop up so quickly - even if there's no knowledge on her part, just the fact that there could be arrearage assigned makes it a good idea to file with the form... your tax preparer can do it when you file, or if filing on your own, you can print the form from the IRS website...

 

[stepmom4ever]

Simple way to keep your tax refund is to file an injured spouse form with the IRS. This will guarantee that the portion of the tax refund that belongs to you (which should be all of it because he doesn't work) will still come to you, and they will simply withhold the portion that belongs to him.

So I can protect myself from getting my money taken. I will file an injured spouse form ASAP..Thank you

 

[SMinNJ]

So I can protect myself from getting my money taken. I will file an injured spouse form ASAP..Thank you

Yes, but mind you, this only applies to your tax refund... any shared accounts, etc. are still open season depending on what collection efforts etc. are eventually taken...

 

[stepmom4ever]

Yes, but mind you, this only applies to your tax refund... any shared accounts, etc. are still open season depending on what collection efforts etc. are eventually taken...

So you're saying either way I'm f**k because I married him? Sometimes I wonder what I got myself into.

 

[Silverplum]

So you're saying either way I'm f**k because I married him? Sometimes I wonder what I got myself into.

You really couldn't think of even one other way to express yourself than that?

 

[stepmom4ever]

You really couldn't think of even one other way to express yourself than that?

Apologies, I just feel like a fool right now