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Child support

The guideline calculation looks simple until you get to what counts as income — which is where almost every dispute actually lives.

Family Law · Custody

A percentage of net resources, with more moving parts than that suggests.

Texas guideline support applies a percentage to the paying parent's monthly net resources — commonly 20% for one child, 25% for two, and rising with additional children, adjusted where a parent supports children in more than one household. The guidelines apply up to a statutory cap on net resources, which is adjusted periodically; above that ceiling, support is set on the proven needs of the child rather than by formula.

Net resources is a defined term, not take-home pay

It includes wages, self-employment income, commissions, bonuses, overtime, rental income, interest, dividends, severance, retirement and unemployment benefits — then subtracts social security or income tax computed on a single-person basis, union dues, and the cost of the children's health and dental insurance. Business owners produce the most argument here, because personal expenses run through a company are routinely added back.

Medical and dental support are separate obligations

On top of the base figure, an order allocates who carries health and dental insurance for the child and how uninsured expenses are split — co-pays, prescriptions, orthodontics, therapy and everything else the insurance does not cover. These are frequently the source of later disputes because nobody defined a deadline for presenting receipts or reimbursing them.

Modification

  • Available when circumstances have materially and substantially changed, or generally where three years have passed and the guideline amount would differ meaningfully from the current order.
  • Job loss, a significant raise, a change in the possession schedule, or a change in the child's medical needs are the usual triggers. Remarriage does not by itself change the obligation, though new children a parent is legally responsible for can affect the calculation.
  • Support does not adjust itself. Until a modified order is signed, the old amount continues to accrue — which is why a handshake arrangement after a layoff produces an arrears judgment later.

Enforcement

The tools are real and they are used:

  • Wage garnishment through an income withholding order sent directly to the employer.
  • Suspension of a driver licence, and of professional and occupational licences.
  • Liens on bank accounts, property and settlement proceeds.
  • Interception of federal tax refunds and lottery winnings, and passport denial.
  • Contempt proceedings, including jail time in serious and repeated cases.

Arrears accrue interest and generally cannot be discharged in bankruptcy. If you are owed support, these tools work; if you are behind, there are answers — but they involve going to court rather than waiting for it to be noticed.

Common questions

How is child support calculated in Texas?

By applying guideline percentages to the paying parent's monthly net resources, with adjustments where they support children in more than one household.

What counts as income?

Far more than salary: self-employment income, commissions, bonuses, overtime, rental income, interest and several benefits. Net resources is a defined term rather than take-home pay.

My ex is paid in cash and claims to earn nothing.

Courts can look past the paperwork at lifestyle, deposits and earning capacity, and can set support based on what someone is capable of earning.

Who pays for health insurance?

Medical and dental support are ordered separately from the base figure, along with how uninsured expenses are divided.

When does child support end?

Generally when the child reaches adulthood or finishes high school, whichever is later, with important exceptions including an adult child with a disability.

Can support be changed if my income drops?

Yes, by modifying the order — but only from the date it is modified. A handshake arrangement after a job loss produces an arrears judgment later.

What happens if support is not paid?

It is enforced through wage withholding, liens, licence suspension, interception of refunds and, in serious cases, contempt proceedings.

Can unpaid support be wiped out in bankruptcy?

No. Support arrears generally survive bankruptcy and continue to accrue interest.

We agreed on a different amount between ourselves.

Only an order changes an order. Informal agreements are unenforceable and frequently leave the paying parent with arrears they thought were settled.

Does support change if we share time equally?

Possession affects the analysis, and Texas still applies its guidelines. It is a question worth modelling before it is negotiated.

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