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Topic : 12/21 One Paycheck Away

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Created on : Thursday, October 05, 2006, 04:42:21 pm
Author : DrPhilBoard1
(Original Air Date: 10/11/06) Did you know that your financial decisions could land you on the street?  Are you one paycheck away from disaster? Stacey has two children and one on the way, and she says she is close to being homeless and it's the fault of her kids’ deadbeat dads, and her parents who have cut her off. Stacey's ex-husband, Pete, says their son would be better off living with him. So, why does he refuse to pay child support? And, see what Dr. Phil provides for Stacey to help get her life back on track. Then, a hidden camera experiment shows how people really treat the homeless on the streets. And, meet a family who was living paycheck-to-paycheck when the money stopped coming in, leaving them homeless. Manuel and Heather and their four children have been living cramped in their RV for the last year, where they have no electricity and must take showers at public beaches. The difficult circumstances are taking a huge toll on their family, especially the children. How did they end up in this situation? Dr. Phil makes an important, life-changing announcement to the family. Share your thoughts here.

Find out what happpened on the show.

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October 12, 2006, 7:41 pm PDT

You said it so well!

Quote From: guirt1

What the HECK are you thinking Dr. Phil????????

 

OK my husband is a PERFECT poster child for this show he shares JOINT custody with his ex-wife. His ex-wife gets $1000.00 a month in child support, she quit her job so she could go back to school to get her master's degree, and lives in an area that has no job growth potential. She is on public assistance for rent, pays no daycare, no medical nothing!!!!! She lives on child support and the system.  Oh and went back to school for this THIRD time with a Pell Grant! 

 

Those children have a father that loves them and wants to be part of their lives but feels like he has been reduced to a visiting cash friendly uncle.

 

So Pete's comment that the system is broken is correct.  The child support needs to be a justifiable amount, the mother should have to show where this money goes and make them accountable instead of just giving away this money.  

 

The child support system has become a great tool for bitter women to try to screw their ex-husbands, and poorly reflects on the women who get child support but continue to try to support the children by contributing financially to the household. 

 

So who is the lesser of the two evils here? The father is not right just stopping paying, however ANYONE who pays their hard earned money for child support should know WHERE the money is going for the children and that the children are benefiting from it meaning what does it pay for?  Why is it the mother is allowed to know the fathers pay when it changes but the men are not allowed to know what the mother is making? (at least that is how it is in the State of Pennsylvania). 

 

PLEASE email me he'd love to bend your ear for a while and hear our horror story about child support.  When you walk a mile in a person's shoes that pays child support to a person who thinks it's to pay their credit cards, and go on vacation with their many boyfriends, then you have the right to say IT's none of your business where the money goes. 

 

I have NEVER disagreed with anything you have to say but you are wrong to condemn this man for wanting to know where his money is going to support his child. 

 

 

 You are SO right!  United States or Canada... the system is BROKEN. 
 
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October 12, 2006, 8:53 pm PDT

10/11 One Paycheck Away

Quote From: leeanna

...and not ourselves for our sins of envy? There are two types of people in our society. Those who will get out and make something of themselves and those who will not. At least the guy in the shopping cart is out earning a living. It is so easy for those with little ambition to condemn those who have much. We all have opportunities and choices.
 Are you implying I have no ambition? I am simply stating my openion. I have a VERY good life, and I am VERY blessed. You are correct in stating it is ourselves who envy, however how small minded you are to think there is only TWO types of people in our society. Many people find them selves in situations they have no control over, and it is up to us to help out our fellow man. Children starving must not be a big concern to you. I can only imagine what its like to be so selfish....I have made something of my self and provided a VERY nice home for my children, AS WELL AS helping others provide for their families as well, I would say it is the right thing to do, and I don't complain about it, nor am I out there saying "Look at me" I am helping less fortunate people....and I would imagine you are a bit close minded to think that EVERYONE has opportunities to do something with their lives, NOT everyone has the opportunities you so seem to think they do. I pray for you, that you don't find yourself in a less fortunate situation beyond your control...because just remember "there are MORE opportunities out there for you."
 
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October 12, 2006, 9:01 pm PDT

Thank You

Quote From: powers009

Bravo. I would like to commit one more thing to what you have said. How about all the free gifts these rich people get. They get free cloths as long as they mention the designer or they get a free meal just because they came into the restaurant. How absurd. These people have all this money yet they pay for nothing and give back nothing. They expect a big pat on the back when they give a few dollars to a charity and if it goes unacknowledged than do they contribute again. Impress me with your anonymity. Donate without anyone knowing you did it. Do good without expecting to receive a thing. Then do it again.

 

And I am glad someone else see's what I am talking about, you are correct,its funny how if your poor and can't afford anything, you can't get anything for free, but once you have the money to , you no longer have to pay, what kind of backward BS is that? But I am affraid that people are too worried about their comfort zone to try to help even the smallest amount. In their world its all about how much your doggy tote costs...come on? Children and homeless people in our country cannot get ahead if they are pushed to the side and never thought about..I thank god everyday I am able to provide a nice, loving, home for my children. And still able to help others. Thats really what its all about, If we don't take care of our own, then who will? PRIORITIZE people!

 
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October 12, 2006, 9:17 pm PDT

The homeless section

Quote From: gloworm43

Well i hope if ever i became homeless i would run into people like us. It is the children that i really feel for that are out there with their deadbeat parents.  I always wonder why their extended families don't help them unless they have been through too much with them,but its not the childrens fault.

The segment on the homeless which indicated that we should do more for them was way off.  In it the comment was made that the man collected $20 in an hour even with the many people who did not treat him the best.  

Did anyone stop to think about this?  Did anyone do the math? I don’t think so.

He made $20 in one hour.  If he worked 4 hours a day, 5 days a week, that would be $400 per week take home pay.  Or $1600 per month.  Or $ 20,000 pre year including a 2 week vacation. That would be the equalivant  of a normal job that pays about $30,000 per year ( taxes and withholding and all is about 35% as I recall). And that’s for a half time job.  If he worked a full 40 hour week it is the equalivant of a $60,000 per year job.

Last time I looked that is above the poverty level.

Second, if I was approached by someone on the street that looked like that man I would not interact with him at all.  On the tape he acted a bit like he was on drugs or drunk and his shirt was not buttoned correctly.  That to me sends out big warning signals.  Someone who is drunk or high has a high probability of behaving unpredictabily.  The slightest thing may set them off.  Not someone it would be safe for me to be around.    

Do I feel bad about not giving money to or making eye contact with someone like that man?  No!  I would not want to end up on the show with Dr. Phil asking me what I was thinking when I stopped to talk to or give money to someone that was high and got myself attacked.

Is there a homeless problem?  Yes.  Are a lot of the homeless people that are in some way ill or addicted?  Yes.  Are many struggling to get by?  Yes.  Should they be helped? Yes.  Should I put myself in danger with them on the street?  I think not.

But when I run the numbers  it makes me wonder about my career choice

 
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October 12, 2006, 9:20 pm PDT

Could not of said it better myself

Quote From: soni_g

It's sad when others state that most of the homeless are looking for handouts, that they are there through their own mistakes.  How untrue this is, and how sad they are viewed that way.  Perhaps it's that thinking that keeps them from getting the help.  Remember, "there but by the grace of God go I"?  There's a lot of truth to that.  I know.

 

I worked hard all my life and survived two of just about every disaster you can imagine.  I had saved, too; had a good little nestegg built up.  I was independent, hard-working, dedicated, and determined that I would live my life on my terms, having plenty to see me into my golden years, which would be spent travelling and living a darn good life.  I had it all planned with the exception of making the reservations.

 

But life doesn't always give us what we want.  My nestegg went into living expenses and doctor bills when a rare neurological condition put me out of the job market for two years.   Insurance runs out when you run out of money.  One disorder caused another, and as hard as I tried, it got to a point I could not work, and I was so close to retirement.  But you do what you have to.  The doctor had given up on me, arthritis had set in over most of my body, and he already had me riding in a wheelchair until I was 6 feet under, which he figured would be soon.  I was without income, and had nowhere to turn.   I ended up in a homeless shelter, and thought my life was over.

 

Turns out it was just beginning.  My life changed when I learned the truth.  Yes, many are addicts, but many are not.  There were mothers with children.  Some had been abandoned, some had lost everything when they lost a job or a spouse.   So many situations, and so many not of their own making.

 

Then I ended up in a setting with incurably mentally ill people, but I wasn't incurably mentally ill.  Good thing, in a way, because I found how abandoned many were.  I was surrounded by paranoid schizophrenics and those with personality disorders and seriously devastating mental illnesses.  They didn't put themselves there.  They had been abandoned by family, by society.  They had nowhere to go.

 

I found my way back, am less well-off financially than I was but am a much better person than I was.  I talk to the street people, and I listen to them.  I help when I can.  I try to connect them with service agencies.  If I see one who's sleeping on the street, I get a warm sweater or blanket for them.  I love myself as never before and sleep better at nights knowing that I'm making a difference, even if it is only one person at a time.

 

We are all here to help each other, and I can state with certainty that any one of us can be there at any time.  We don't need to blame those who are homeless, nor do we need to pity them.  We don't need to feel guilty when we can't do anything.  What we need to do is whatever is necessary to help our fellow man.   We were created with love and compassion, and we owe that to all, not just those who are employed and have a big bank account.

 

I would suggest that you stop and talk to the homeless, it won't hurt and few will bite.  Visit a shelter and listen to them.  You would be amazed at what you learn, and the biggest thing you would learn is there is no room for judgment.  Remember the saying, "You may not always get what you want, but you will always get what you need."  We must always remember that we are in this life together.  I recently read a great saying that goes, roughly,   "It's not the event or circumstance that matters, it's how you respond to it that counts."

I agree totally with you, people shun our homeless people as if they are contagious....Have a heart.
 
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October 12, 2006, 9:25 pm PDT

Theres alot of us out there just trying to make ends meet

I just wanted to say that there are alot of us out there that are one paycheck away from homelessness. I am appauled that most people would be repulsed by or look down upon someone who has to ask for money on the streets and in parking lots. Regardless of what "type" of person you think they might be, you don't really know what their circumstances are, what has happened to them, and what brought them to this point. It's mighty humiliating to have to ask a stranger for a dollar, or in the case of the family with four children in the RV...to ask for help at all. Everyone makes bad choices at one time or another, its part of being human, so I don't think its fair to judge a person just because they are not where you are.  Life is really tough and REALLY EXPENSIVE just to cover the basics in todays world......so I can see where loosing a job could affect your circumstances in a big way. I have been there, I have lived in my car (which was horrible) and I have had to move (not by choice) to change my circumstances also. Do you realize how much money is needed in most cases to rent a house or an apartment?? First months rent, last months rent, and usually equally a deposit of the same amount. In my last moving venture, which was not by choice I had to coff up $2800 to move into a place. Even with my just over minimum wage full time job I couldn't come up with that much money. Only about $300 of it.  I was fortunate enough to have friends who loaned me the extra money to move with. Four months after I moved into this new place I lost my job of 3 years. It took me 9 months to get a job from that point. You'd be surprised what people won't hire you for-even motel maid! I got very inventive after that!! Even though now I make less of a wage than I did before, and I am still juggling to stretch my income over 20 different places just to keep my apartment, I consider myself very lucky. If I see someone who is homeless, or asking for money as I am walking out of the grocery store,  I AM HAPPY to give them some. After all, I go home to a nice apartment, I have lights and cooling, I have food, I drive a car.....and they are begging!  Where's the comparison? Its like saying they aren't good enough and that just wrong. I can't get all self righteous like some people do just because I work hard for what I have. I have the basics, even though I don't have everything....what do they have? Maybe they don't have any skills. Even begging, they still couldn't afford a decent apartment by todays standards. So I say shame on those people who snub their noses at the homeless. And as for the rest of us out there running ourselves ragged just to make ends meet,  I ask...when do we get to feed our spirits and feel some joy in life instead of nothing but monotonus labor? (Because we can afford nothing else?)
 
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October 12, 2006, 9:46 pm PDT

Oh Please!!!!!!!!!!!!!!!!!!

Quote From: cildawg

I believe that the judges hit fathers with such high child support payments because they're trying to make the couples reconcile. You know, the "It's cheaper to keep her" theory.

 

I remember when my husband's business partner was going through a divorce. The wife went to court and told this lie, "They work or Saturdays and don't report it. They make an extra $1,000/month each that they don't report." It was a lie, but it sounded truthful. This was back when $1,000 a month was a lot of money.

 

She made a good living herself. But the judge hit him with monthly child support that was over 1/2 of what he grossed. (I guess the judge believed her.) I knew that he couldn't afford the order. Maybe because he was the one who left home, the judge thought he'd go back home just for financial relief. But it only made the husband angry.

 

In a couple of months, someone came to the wife's job to reposses her BMW!!! (Fancy that, hubby didn't pay it. He was driving the car that was paid for.) Then it really turned to war. But if she hadn't lied in the first place about his income, he probably wouldn't have been ordered to pay for the BMW. 

 

But he never went back home - not for a minute. Okay, I'm just ranting.

My daughter is almost 21 years old. When she was a 1 year and 3 months old, I filed for a divorce. In return, her father quit his job so he wouldn't have to pay child support.  He told me so. The judge ordered him to pay 25.00 a week, until he was employed. He was to report any and all changes in employment to the Brazoria County  Child Support office. Guess what? He didn't , and I supported her for all her life.

I had to live with my parents and never have I had a B.M.W..

It was all I could do to afford diapers and food.

He still owes her money. He has had several jobs over the years and could've paid more. He went to jail on many occasions for his other child he didn't pay for. The last time I filed for child support, the money went to pay court costs not to her. I needed it to help with the cost of her braces. Over 700.00 was expected,and it went to the courts.

Now

Explain that one.

Any body ...

Please

 

 

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October 12, 2006, 9:46 pm PDT

How to respond to this??

Quote From: maerten

First:  internet access is free at the local public library

Second: not all women have children without thought,  some of us get married for better or worse........for some the worse is so bad that the children are suffering,  so you get out.

Third....... some of us work .....and hard to raise the children alone, because leaving dad means dad doesn't want nothing to do with you.

 

 

THINK   ON BOTH SIDES OF THE FENCE!!!!!!!

Okay, I'll bite.

First, I doubt that any of the posters ran to their local libraries to log on to this message board and complain about how hard they have it in life.  Is that where you posted this, Maerten?

Second, I never said that ALL women have children without thought.  I did say that the first guest probably should have thought about getting pregnant again when she couldn't afford the two children she had.  I never said or implied that she or any other woman should stay in a bad or abusive marriage.  But I will say that when you leave that marriage, and you are struggling to keep your head above water, don't get pregnant again.  Women have choices.  There are many things we can do to prevent getting pregnant.  Dr. Phil said as much to the first guest and she just kept saying, "You're right, I know." Obviously she didn't know or she wouldn't have gotten pregnant again. 

I know plenty of women who are raising their children alone, and I never said that they didn't work hard.  I don't know where you even got that from my message. 

I do "think on both sides of the fence".  I also think that there are certain responsibilities we all assume when we choose to have children.  Both of these guests did not take those responsibilities seriously, and their children suffered.  The first guest bought a new car when she got a job, and now has a $400 car payment, but no job?  The second guest "quit" his job because his wife has anxiety disorder?  And Dr. Phil rewarded them.  If he said, 'I am doing this for the sake of your children," I wouldn't be so angry with him.  But these guests acted like they were contestants on a game show - and really, they are nothing but irresponsible parents.
 

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October 12, 2006, 9:51 pm PDT

For the Children

Quote From: dkb1031

     Life might not be made to be easy, but what is wrong with a man giving an offering from the heart. and who are you to be saying how Dr. Phil chooses to use his finances or resources?He told them that they were going to have to acomplish goals and make on with their lives.  You didn't listen closley enough, he was starting the fishing lessons.  He was more concerned about placing the children in a stable environment then getting the parents on the up and up, to what they can do, not to what you think they should do.  I get mad too because there are alot of people do want a free ride, but don't lose heart for Dr. Phil, it seems Robin keeps his head on straight in the morning, and I heard "it's not for free" so ya sound like a good kid, kick back, take a deep breathe, and we can start telling some fishing stories.  Did ya hear about the one that got away?,,,,,,,,
 DKB,

I hope you are right that Dr. Phil was starting the fishing lessons, and gave both of the guests free rent for the sake of the children.  I guess I wish he would have said that, so these parents understood that the choices they made were damaging to their kids.  Because it's not like the parents profiled on this episode were victims of some unforseeable tragedy.  They were in the dire positions only because of the bad choices they made.  And people, especially with children, should be held accountable for their actions.

I will take a deep breath though, and would love to trade fishing stories with you!
 
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October 12, 2006, 9:55 pm PDT

dads

Quote From: greywuff

I get so tired of hearing this term used to describe every father who is paying child support in the United States. All of the dad's ARE NOT deadbeat, and sometimes the mothers are the deadbeats! My story...

My wife and I seperated and divorced almost ten years ago. She was a legal secetary in small-town-rural North Carolina, with personal ties to each of the 5 judges serving her home county. After spending thousands of dollars for a visitation agreement, the judge in charge of our case "forgot " to sign my visitation agreement for over 2 years. and, as it was unsigned by a judge, it was unenforcable by the court systems! Once it was signed, it was then unenforcable because it had sat unsigned for over two years. In the meantime, I continued to pay a redicolous amount of child support because the deciding judge was a close personal friend of my ex-wife. My ex-wife then decided that I wasn't deserving of visitation, so she refused to let my children visit with me. On numerous occasions, she was found in contempt of court for not allowing my visitation, but on each and every occasion, the judge stayed the jail term, providing the kids not miss future visits. They would visit for a couple months, then we would play the game again, and as all the judges were her friends, she never served one minute in jail for contempt of court. Even after being found guilty of contempt by EVERY judge in the judicial district at least once.

The entire time all this was happening, she was telling anyone who would listen to her that I wasn't paying her any support, even though she was getting a check every month and was having a real "pitty party" with the small town people. Eventually, as a result of not allowing visits, I was finally awarded custody of my son. He lived with my present wife and I for 8 months. It was a living nightmare the entire time, he did everything he could to return to his mom, finally beating up a 95 pound female classmate in order to be suspended from school. During the 8 months he lived with me, my ex sued me for custody 3 times. Finally, I realized that God had finally answered my prayers and let my son come to live with me to show me that what I had been fighting for wasn't really what I wanted. The courts returned him to his mother, but only after I requested it, and I have had absolutely no contact with him or his mother for almost two year's now. Oddly enough, since he has returned t live with her, the court has not ordered me to pay one dime in support, and I don't feel bad about it in any way. I paid more than my fair share when he was with her before, and she paid me less than 1/4 what I was paying her while he lived with me. During those 8 months, she was in arrears with her support payments for 7 of them!

I did what I was supposed to do, I paid the support, and I was denied visitation until it finally tore my son and I apart. Am I a deadbeat dad? I don't think so. I consider the deadbeats the judge who "forgot" to sign my visitation agreement for over 2 years, and the judges who refused to enforce my visitation agreement until so much time had passed that my son never knew me as his dad!

I think we should change the term "Deadbeat Dads" to "Deadbeat Judges!"

Paying dads don't get the term "dead beat" dad.
 
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