It is automatically taken by income withholding unless both parents opt out of income withholding. Child support should not affect your credit or qualifying for a home loan.
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I am not sure how it is that such a change would affect a loan application since you would presumably be disclosing the proper information regardless. As to your question generally, at times parents agree that they want payments to be made directly to the other parent.
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I agree with counsel. The amount owed should be disclosed during the loan application process. I'm not sure that the method you're paying it off should make any difference.
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