- Only a court can change a spousal support order, so stopping payments on your own does not end the obligation.
- Court-ordered support is filed with the Family Responsibility Office (FRO), which has strong enforcement tools if payments stop.
- If your circumstances have really changed, you can ask a court to vary the order by a motion to change.
- Whether denied parenting time affects support is a question for a lawyer, who can look at your order or agreement.
It is frustrating to keep sending support payments when you believe your ex is keeping you from the children. Many payors ask whether they can hold back support until parenting time is respected.
This article explains how a support order generally works, what can happen if you stop paying, and the proper ways to ask for a change. It is general information, not advice on your situation.
Why stopping payments on your own is risky
A spousal support order or a support term in an agreement is a legal obligation. Only a court can change a support order, not FRO. That means that, until a court says otherwise, the amount in the order is generally still owing, and missed payments can build up as arrears.
Support and parenting time are usually dealt with as separate issues. Whether a particular order or agreement allows any link between them depends on its wording and your facts, so have a lawyer read it before you act.
What can happen if payments stop
Court-ordered spousal support is automatically filed with FRO, which collects from the payor and pays the recipient. If you miss payments, the recipient can complete a Statement of Arrears to collect unpaid support and interest.
| Possible step | What it can mean for you |
|---|---|
| Bank garnishment | 100% of money owed from accounts in your name and 50% from joint accounts |
| Tax refunds, EI and CPP | Federal tax refund deductions of up to 100% and EI and CPP reductions of up to 50% |
| Licences and passport | Driver's licence, passport and federal licence suspension |
| Liens and seizure | Property liens, writs of seizure and sale, and seizure of lottery prizes over $1,000 |
| Default hearing | A judge can order payment plans, change the order, or order jail time of up to 180 days |
| Fees and reporting | FRO may charge a $400 administrative fee when it takes enforcement action, and credit bureau reporting can follow |
FRO may also send a support deduction notice to your income source, such as an employer, which must remit the amount to FRO.
The proper way to ask for a change
If something has changed, the route is a court application, not self-help. Under the Divorce Act, a court varying a spousal support order must be satisfied that a change in the condition, means, needs or other circumstances of either former spouse has occurred, and it may vary, rescind or suspend an order retroactively or prospectively.
In practice, courts look for a material change. The SSAG guide describes this as a change that is substantial, continuing and that, if known at the time, would likely have resulted in a different order. A variation is neither an appeal nor a hearing from scratch.
If your income has dropped significantly, the SSAG ranges move down, and ability to pay can reduce the range substantially. A court may also add a review term if the drop may not be permanent.
- If the other party agrees to a change, file a consent motion to change (Form 15C) with a financial statement (Form 13), Certificate of Financial Disclosure (Form 13A), Form 14B and a draft order (Form 25).
- If the other party disagrees, file a motion to change (Form 15) with Forms 13, 13A and 25.
- After an order changes, send the new order to FRO through FRO Online, by fax or by mail.
If you are in trouble with payments already
To avoid enforcement, pay in full and on time, and contact FRO immediately if you are falling behind to set up a payment plan. Respond to every notice before its deadline and attend a default hearing even if you have filed forms.
Before a driver's licence suspension takes effect, FRO sends a notice with a deadline. You can pay all arrears, enter a voluntary payment plan, or ask the court for a refraining order, which must be requested before the notice deadline. Whether past arrears can be reduced depends on the facts, and no outcome can be promised.
What to do next
- Keep paying what the order or agreement requires while you sort out the next step.
- Keep a dated record of denied or missed parenting time: messages, calendars and any requests you made.
- Read your order or separation agreement for terms on parenting, review dates, retirement or remarriage.
- Gather income records in case you need to ask for a change in support.
- Speak with a family lawyer about whether to pursue the parenting issue, a support change, or both.
Frequently asked questions
Can I stop paying spousal support if my ex won't let me see the kids?
Not on your own. Only a court can change a support order, not FRO. Whether denied parenting time affects support depends on your order or agreement and your facts, so a lawyer should review it first.
Will FRO stop collecting if I tell them about the access problem?
Court-ordered support is filed with FRO, which collects from the payor and pays the recipient. FRO does not change the order. Only a court can do that.
Can I ask a court to reduce support?
Yes. A court can vary a spousal support order if there has been a change in the circumstances of either former spouse, and it may do so retroactively or prospectively. You start with a motion to change.
What if I already fell behind?
Contact FRO immediately to set up a payment plan and respond to every notice before its deadline. A judge at a default hearing can order payment plans, change the order, or order jail time of up to 180 days.
Sources
- SSAG Revised User's Guide – Variation and Review — canada.justice.gc.ca
- Divorce Act (Justice Laws) — Justice Laws (federal)
- SSAG Revised User's Guide – Changing Incomes — canada.justice.gc.ca
- Ontario.ca – Spousal support — ontario.ca
- Ontario.ca – Child and spousal support (FRO) — 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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