- The Family Responsibility Office (FRO) has many enforcement tools, including bank garnishment, licence suspension and credit reporting.
- FRO may charge a $400 administrative fee if it takes enforcement action.
- A default hearing notice gives you 10 days to act.
- If you miss a notice deadline, contact FRO right away.
If you are owed support that is not being paid, or you are the one who has fallen behind, the Family Responsibility Office is likely to be involved. FRO enforces support orders, and it has far-reaching tools to collect money.
This article explains what those tools are, what a default hearing means, and how to fix mistakes. Whether you are a recipient or a payor, acting early usually makes things easier.
What FRO's enforcement tools are
FRO can use several collection methods, often at the same time. The table below summarizes the main ones.
| Tool | How it works |
|---|---|
| Bank garnishment | Up to 100% of arrears in a sole account; joint accounts are limited to 50%, held for 30 days |
| Federal deductions | Up to 50% of EI or CPP-type income, and up to 100% of tax refunds |
| Credit bureau reporting | After more than 60 days without payment and a 15-day notice; the entry stays for six years |
| Licence and passport action | Driver's licence suspension, plus federal licence and passport suspension |
| Property enforcement | Property liens and writs of seizure and sale |
| Other measures | Reporting to professional bodies, and seizure of a lottery prize over $1,000 |
Fees, default hearings and what a judge can do
FRO may charge a $400 administrative fee if it takes enforcement action.
If you receive a default hearing notice, you have 10 days to act. At the hearing, a judge can order payment plans, change the support order, or order jail time. Because the consequences can be serious, do not ignore the notice. Speak with a lawyer if you can, and bring records of your income and payments.
Fixing errors with FRO
Mistakes do happen. FRO's guidance covers several common situations.
- If you missed a notice deadline, contact FRO right away.
- If a writ was filed against you by mistake, for example because you share a name with another person, submit the confirmation of identity letter request form; review takes about five business days.
- If your name has changed, notify FRO.
- For an unresolved complaint, use the contact form for the FRO director.
You can reach FRO at 416-326-1817 or 1-800-267-4330, Monday to Friday, 8:00 a.m. to 5:00 p.m..
If your circumstances have changed
If your situation has genuinely changed, how to deal with the order depends on your circumstances, so it is worth confirming with a lawyer. Under the Child Support Guidelines, where the amount includes a table determination, a change of circumstances means any change that would result in a different child support order. Under the Divorce Act, before varying a child support order the court must be satisfied that such a change has occurred. A court may vary, rescind or suspend an order, retroactively or prospectively.
Whether a change is enough, and how far back relief could go, depends on the facts. A lawyer can tell you whether it is worth applying.
Which court deals with support
Under the Divorce Act, which applies to married spouses only, a court of competent jurisdiction may vary, rescind or suspend an order, retroactively or prospectively. Ontario has more than one court that hears support cases. The table below shows how the two main courts differ.
| Court | What it hears |
|---|---|
| Ontario Court of Justice | Parenting, child and spousal support, and enforcement of support, but not divorce or property division |
| Superior Court of Justice | Divorce, division of family property, claims about the family home, parenting time and decision-making, child support and spousal support |
The Family Court Branch of the Superior Court of Justice is located in 25 locations, including Barrie, Lindsay and Peterborough. It is the only court in Ontario that can hear all types of family law cases. A family case usually starts in the municipality where you or your spouse lives. If you are unsure where to start, call the family court office in your area.
Where married spouses are in a Divorce Act proceeding, the parties must, to the extent appropriate, try to resolve the matters that may be the subject of an order through a family dispute resolution process. Whether that fits your situation is worth confirming with a lawyer.
What to do next
- Get a copy of your support order or agreement and your FRO statement of account.
- Check the dates and amounts FRO shows against your own payment records.
- Open and respond to every FRO notice, and note the deadlines, including the 10 days on a default hearing notice.
- If your name has changed, tell FRO.
- Keep copies of pay stubs, tax documents and proof of payments so you can show your situation clearly.
- If your income has changed significantly, ask a family lawyer about changing the order.
Frequently asked questions
Can FRO take money from a joint bank account?
Yes. Garnishment of a joint account is limited to 50%, and the money is held for 30 days. For a sole account, FRO can garnish up to 100% of arrears.
How much does FRO enforcement cost?
FRO may charge a $400 administrative fee if it takes enforcement action. Your own legal costs, if any, are separate.
What if FRO filed a writ against me by mistake?
If the writ was filed by mistake, such as someone with the same name, submit the confirmation of identity letter request form. Review takes about five business days.
What happens at a default hearing?
A notice gives you 10 days to act. A judge can order payment plans, change the support order, or order jail time. Take the notice seriously and get advice if you can.
Can a court change my support order if my income changes?
Under the Divorce Act, which applies to married spouses only, a court may vary, rescind or suspend an order, retroactively or prospectively. If your order was made under another statute, or you were not married, how this applies depends on your situation. Whether a change in your income is enough depends on your facts, so it is worth confirming with a lawyer.
Which court can change a support order?
Both the Ontario Court of Justice and the Superior Court of Justice hear child and spousal support. Only the Superior Court hears divorce and property division. Which one is right for you depends on what else is in dispute, so a lawyer can confirm.
Sources
- Federal Child Support Guidelines, s. 14 — Justice Laws (federal)
- Divorce Act, s. 17(4) and (4.1) — Justice Laws (federal)
- Divorce Act, ss. 2-3 — Justice Laws (federal)
- Ontario.ca – Guide to Procedures in Family Court: choosing the municipality and court — ontario.ca
- Ontario.ca – Enforcing child and spousal support payments — ontario.ca
Links go to official government, court and regulator pages. The law changes — confirm you are reading the current version.
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