three questions on the public service to fight against unpaid debts

    three questions on the public service to fight against unpaid debts

    Emmanuel Macron goes, Tuesday, January 5, to the Tours family allowance fund. He will meet families who benefit from the new public service for the payment of child support. A reform initiated after the movement of “yellow vests” and the “Great debate” of 2019, which brought up the great precariousness of single-parent families and single mothers. This service was set up at the beginning of October, it has been generalized since January 1.

    What is the objective of this device?

    It is to drastically reduce the number of poorly paid alimony, that is to say paid irregularly, late or not at all. A scourge that affects 350,000 single-parent families every year, or a third of the beneficiaries, according to the Élysée. The pension is on average 170 euros per month and per child. When it is not paid, it is a real sword of Damocles for the victims, who are mostly mothers, to make ends meet, to raise and educate children. Knowing that the rate of insecurity and poverty is twice as high in single-parent families.

    How does this public service work?

    Concretely, it allows a parent to request that the Family Allowance Fund (CAF) become the intermediary for the payment of his pension. It is the Fund which then receives the payment of the pension and which pays it to the ex-spouse. Since January 1, all separated, divorced, recent or long-standing spouses can benefit from this service, even if they have never had a bad debt problem. The procedure is not automatic. It must be claimed, either from the judge at the time of the divorce, or directly from the Family Allowance Fund (CAF). Only one parent can request it, without the consent of the other, which simplifies things.

    Once the file has been validated, CAF becomes the sole intermediary between the former spouses for the payment of the pension. She collects the money on one side and pays back on the other. In case of delay or unpaid, CAF directly withdraws the sum from the bank account of the bad payer. This decreases the sources of conflict or blackmail between parents. Once set up, the service becomes automatic, every month, until the child is 18 years old, without renewal.

    What happens in the event of the insolvency of the payer?

    CAF contacts the ex-spouse in difficulty to find a solution, for example to stagger the payment of the pension. The injured ex-spouse benefits from a safety net: the family support allowance. It is 116 euros per month. This allowance is also paid when the device is put in place, to make the connection. With this new public service, the Élysée hopes to reduce the number of badly paid pensions by 100,000 each year. In Quebec, where a fairly similar system was created in 1995, delinquencies literally fell. There are only 4% today against 40% previously.

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