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Ryder Ross

Can child support take my Washington ESD unemployment benefits?

Just started receiving UI benefits from Washington ESD after being laid off from my construction job. My ex is saying that child support enforcement can garnish my unemployment payments. Is this true? I'm already struggling to make ends meet on the reduced income and really need to know what to expect. Has anyone dealt with this situation before?

Yes, unfortunately child support can be deducted from unemployment benefits in Washington state. The Division of Child Support (DCS) can garnish up to 50% of your UI payments if you're behind on support.

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50%?! That would leave me with almost nothing to live on. Is there any way to reduce this amount?

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You can request a modification through the courts if your income has significantly decreased, but you need to act fast before the garnishment starts.

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this happened to me last year, they took about $180 per week from my $360 weekly benefit amount. really sucked but there wasnt much i could do about it

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Did you try to fight it at all or just accept it?

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tried calling DCS but could never get through to anyone who could help, just got transferred around

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If you're having trouble reaching Washington ESD or DCS about this, I recently discovered Claimyr (claimyr.com). They help people get through to government agencies when the phone lines are constantly busy. There's a video demo at https://youtu.be/7DieNd3C7zQ that shows how it works. Might be worth checking out if you need to speak with someone urgently about your situation.

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Thanks, I'll look into that. I've been trying to call both agencies for days with no luck.

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How much does something like that cost? I'm already stretched thin financially.

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They focus on getting you connected rather than charging high fees. Worth checking their site for details about how they can help with your specific situation.

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The garnishment usually starts automatically once DCS processes your UI claim information. Washington ESD reports benefit payments to various agencies including child support enforcement. You should receive notice before they start taking money, but sometimes the timing is tight.

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How much notice do they typically give? I haven't received anything yet but I'm worried.

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Usually 10-15 days, but it can vary. Check your mail carefully and also log into your Washington ESD account to see if there are any notices posted there.

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ugh the system is so messed up. they expect you to survive on unemployment then take half of it away for child support. how are we supposed to pay rent and buy food?

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I understand the frustration, but child support is considered a priority debt. The idea is that supporting your children comes first, even during unemployment.

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yeah but if i become homeless then i definitely cant pay child support at all

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Check if you qualify for any other assistance programs while your unemployment is being garnished. DSHS might have programs that can help with housing or food assistance.

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Good point, I hadn't thought about applying for other assistance. Do you know if receiving UI benefits affects eligibility for food stamps?

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You can still qualify for SNAP (food stamps) while receiving unemployment. The reduced income from garnishment might actually help you qualify for more assistance.

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i went through this exact situation 2 years ago. the garnishment notice came about a week after i started getting UI payments. they took exactly 50% which was like $175 out of my $350 weekly benefit

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How long did the garnishment last? Did it continue the entire time you were on unemployment?

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yeah it continued until i found another job. but once i was working again i was able to get the support amount adjusted based on my new income

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That's somewhat reassuring to know it's not permanent. Still going to be really tough for the next few months though.

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One important thing to remember is that you still need to file your weekly claims on time even with the garnishment. Some people think they should stop claiming benefits to avoid the garnishment, but that just makes everything worse.

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Yeah I definitely plan to keep filing my weekly claims. I need whatever income I can get right now.

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Plus if you stop filing claims you could lose eligibility entirely and then you'd have zero income instead of just reduced income.

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Contact a family law attorney if possible. Some offer free consultations and might be able to help you request an emergency modification of your support order based on the job loss.

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I've been thinking about that but I'm worried about attorney fees. Do you know if there are any free legal aid services for this kind of thing?

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Yes, Northwest Justice Project offers free legal help for low-income people with family law issues. You can apply online or call their hotline.

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The garnishment will show up as a deduction on your UI payment notice, similar to how taxes are withheld. It's usually listed as 'Child Support' or 'DCS Garnishment' on the payment breakdown.

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Good to know what to look for. I'll keep an eye on my payment statements.

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Yeah and make sure to keep copies of everything for your records. Sometimes there are errors in the garnishment amounts.

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If you have other kids living with you that you support, the garnishment percentage might be lower. I think it drops to like 25% if you're supporting other children in your household.

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I don't have any other kids, so I think I'm stuck with the full 50% unfortunately.

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That's correct - the percentage is reduced if you're supporting other dependents, but it sounds like that doesn't apply to your situation.

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try to get caught up on your child support payments as soon as you find new work. the longer you're behind the harder it gets to catch up because of interest and penalties

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Definitely plan to do that. This whole situation has me motivated to find work as quickly as possible.

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Just wanted to follow up on the Claimyr suggestion from earlier. I used them when I needed to reach someone at Washington ESD about my adjudication issues and it really helped. If you need to speak with DCS or Washington ESD about your garnishment situation, it might save you hours of trying to get through on your own.

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I actually checked out that video demo you mentioned. Looks pretty straightforward. I might give it a try if I can't get through to DCS this week.

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Make sure you understand exactly how much you owe in back support versus current support. Sometimes the garnishment amount includes both past due amounts and current monthly support, which can make it higher than expected.

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That's a really good point. I should probably request a statement showing the breakdown of what I owe.

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Yes, you can request that from DCS. It's called a payment history or account statement. Helps you understand where you stand financially.

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the worst part is they dont even ask if you can afford it they just start taking the money. like hello im on unemployment because i lost my job obviously money is tight

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The law treats child support as a priority obligation, so they don't typically consider other expenses when setting up garnishments. That's why modification requests are important if your circumstances change significantly.

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At least unemployment benefits are better than no income at all. When I was between jobs without filing for UI, I still owed the same amount in child support but had zero coming in.

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True, I guess I should be thankful I qualify for UI benefits at all. Just wish the timing wasn't so stressful.

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Keep all your documentation about the job loss and unemployment filing. If you do end up needing to go to court for a modification, you'll need proof of when your income changed and why.

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Good advice. I've been keeping copies of everything related to my layoff and UI claim.

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Don't forget that if you find part-time work while on UI, that income might also be subject to garnishment. DCS gets information about all your income sources, not just unemployment benefits.

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Hadn't thought about that. I've been considering taking some gig work to supplement the UI benefits but I guess that would be garnished too.

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Correct, any income you earn while receiving UI benefits gets reported to DCS as well. The total garnishment is based on your combined income from all sources.

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Just want to say hang in there. I know the financial stress is overwhelming but this situation is temporary. Focus on finding new employment and things will get better.

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Thanks for the encouragement. Some days it feels like everything is falling apart but I'm trying to stay positive and focused on job searching.

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One final note - if you do use Claimyr to connect with Washington ESD or DCS, make sure to have all your questions written down beforehand. When you finally get through to a real person, you want to make the most of that conversation.

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That's really practical advice. I'll make a list of all my questions about the garnishment process and timeline before I try calling.

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I'm in a similar situation and this thread has been incredibly helpful. One thing I learned from my case worker is that Washington state also has an Income Withholding Order (IWO) process that automatically kicks in when you start receiving any type of income replacement benefits like UI. The good news is that if you can demonstrate extreme financial hardship, there's sometimes room for temporary relief while you get back on your feet. You might also want to look into whether your county has a self-help family law center - they often provide free assistance with modification paperwork and can walk you through the process without needing to hire an attorney right away.

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