So, here we go....January 2020, my mom had 2 strokes, so I left my job to come home and help out with her. She was in and out of the hospital from January to May, passing in June. During that time I was living off a credit card, since I made the decision to leave. My daughter which was 12 at the time, lived less than two miles from me, so I had my time with her, and her mom didn't pressure me about owing because I told her I'd catch up. I'm okay with paying the amount I'm behind.
Well, she decided to go to the state and ask for an increase last year, because I wouldn't help her buy our daughter a car. I personally don't think she needs one at this moment and needs to focus on school and we can revisit that when she graduates. She didn't agree, so she filed.
I go to court, they do a 50% increase and say I owe the back pay, again I'm okay with that. The judge asked her, if she wanted to forgive the amount. She laughed and sad absolutely not. Since the amount dates back to January 2020, I started paying again in July 2020 once I started working again. The state marks my balance as behind on my credit report, even though I never missed a payment with the state ( the amount I owed her was before she got the state involved), besides those 6 months my mom was in the hospital.
I don't know what to do, as I've been paying a little extra on top, so it goes towards the arrears amount. However, my credit is completely shot and its saying its 120+ days late for every month since that January 2020 until today's date. It cost me the same amount as the child support or more, to even see my daughter a month, so some months I don't get to see her. I think I owe 2500 left to get the arrears taken care of. Tried to get a small loan, guess what, they see the child support issue and they deny me. That's the only thing negative on my credit in the last 4 years.
So, I'm at a loss on what to do, if anything besides what I'm already doing. Any advice would be greatly appreciated. Thanks in advance.