From what I gathered, you need to pass two tests. The first is proving why you need the undue hardship claim. From what you say, you have reason.
First, you have another child, second your circumstances have changed (job loss)
Next you have to prove your standard of living is lower in your household, than your ex's.
They will add all the income from everyone in the household. So even if your kids have part-time jobs, they will add in that income. They also add your ex's and her husband's.
Then they do the same for your house.
When they have a total for each house, they will then divide that amount by a number, depending on how many people live in the house.
Whichever household has the lower number afterwards, has the lower standard of living.
I do hear it is very hard to get, but it's worth a shot.
My husband and I are both divorced (this is the second marriage for us both)
I can say being a woman, I was favoured in the courts. My husband was treated like shit. It's a biased system, sadly. You just have to be fair, don't sling any dirt on your ex and stick to the facts. My husband did this last time in court, his ex mud slung like you wouldn't believe and my husband won! And that was with a woman judge!
Let me know if you need help with numbers and how you would do. I have the calculators for the hardship test and can help you out.
First, you have another child, second your circumstances have changed (job loss)
Next you have to prove your standard of living is lower in your household, than your ex's.
They will add all the income from everyone in the household. So even if your kids have part-time jobs, they will add in that income. They also add your ex's and her husband's.
Then they do the same for your house.
When they have a total for each house, they will then divide that amount by a number, depending on how many people live in the house.
Whichever household has the lower number afterwards, has the lower standard of living.
I do hear it is very hard to get, but it's worth a shot.
My husband and I are both divorced (this is the second marriage for us both)
I can say being a woman, I was favoured in the courts. My husband was treated like shit. It's a biased system, sadly. You just have to be fair, don't sling any dirt on your ex and stick to the facts. My husband did this last time in court, his ex mud slung like you wouldn't believe and my husband won! And that was with a woman judge!
Let me know if you need help with numbers and how you would do. I have the calculators for the hardship test and can help you out.