{"id":14326,"date":"2021-10-20T20:35:05","date_gmt":"2021-10-20T20:35:05","guid":{"rendered":"https:\/\/margill.com\/?p=14326"},"modified":"2025-10-10T09:15:15","modified_gmt":"2025-10-10T13:15:15","slug":"i-am-often-faced-with-paying-late-alimony-and-i-want-to-be-sure-that-the-interest-calculations-they-are-hitting-me-with-are-correct-can-margill-law-edition-help-me-out","status":"publish","type":"post","link":"https:\/\/margill.com\/en\/i-am-often-faced-with-paying-late-alimony-and-i-want-to-be-sure-that-the-interest-calculations-they-are-hitting-me-with-are-correct-can-margill-law-edition-help-me-out\/","title":{"rendered":"I am often faced with paying late alimony, and I want to be sure that the interest calculations they are hitting me with are correct. Can Margill Law Edition help me out?"},"content":{"rendered":"<p><strong>Question:<\/strong><\/p>\n<p>I am often faced with paying late alimony, and I want to be sure that the interest calculations they are hitting me with are correct. I pay 4% simple interest only on late or fractional payments. I am testing your software right now, and if I am say $500 short but pay it within 21 days the Recurring payments tell me that there is over $60 in interest, rather than the correct $1.15 ($500 late for 21 days at 4% simple annual interest). Is there another module I should be using for my application?<\/p>\n<p><strong>Answer:<\/strong><\/p>\n<div class=\"moz-cite-prefix\">You should be using the &#8220;Arrears&#8221; calculation (not rRecurring payments) and then you&#8217;ll get the $1.15&#8230;<\/div>\n<div><\/div>\n<div class=\"moz-cite-prefix\">With your example, 21 days late, you must enter the 500 alimony due on the 1st for example and then when you pay it, enter -500 on the 21st. So it keeps a running tab. You only enter the alimony missed or late, not if paid.<\/div>\n<div class=\"moz-cite-prefix\"><\/div>\n<div class=\"moz-cite-prefix\">I don&#8217;t have your number of missed arrears but here&#8217;s an example. No missed arrears until July 1, 2020. Then Compute:<\/div>\n<div class=\"moz-cite-prefix\"><\/div>\n<div class=\"moz-cite-prefix\"><img loading=\"lazy\" decoding=\"async\" width=\"331\" height=\"362\" class=\"size-full wp-image-14327 aligncenter\" src=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/10\/img_61707ab294380.png\" alt=\"\" srcset=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/10\/img_61707ab294380.png 331w, https:\/\/margill.com\/wp-content\/uploads\/2021\/10\/img_61707ab294380-274x300.png 274w\" sizes=\"auto, (max-width: 331px) 100vw, 331px\" \/><\/div>\n<div class=\"moz-cite-prefix\"><\/div>\n<div class=\"moz-cite-prefix\">Results &#8211; nothing really intersting so far since I only have an amount due on July 1:<\/div>\n<div class=\"moz-cite-prefix\"><\/div>\n<div class=\"moz-cite-prefix\"><img loading=\"lazy\" decoding=\"async\" width=\"635\" height=\"126\" class=\"size-full wp-image-14328 aligncenter\" src=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/10\/img_61707ab2972a8.png\" alt=\"\" srcset=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/10\/img_61707ab2972a8.png 635w, https:\/\/margill.com\/wp-content\/uploads\/2021\/10\/img_61707ab2972a8-300x60.png 300w, https:\/\/margill.com\/wp-content\/uploads\/2021\/10\/img_61707ab2972a8-450x89.png 450w\" sizes=\"auto, (max-width: 635px) 100vw, 635px\" \/><\/div>\n<div class=\"moz-cite-prefix\"><\/div>\n<div class=\"moz-cite-prefix\">Then I add lines and a running balance continues.<\/div>\n<div><\/div>\n<div>In this example the July 1 amount is never paid but the September 1 amount is not paid on Sept 1 but on Sept 21.<\/div>\n<div class=\"moz-cite-prefix\"><\/div>\n<div class=\"moz-cite-prefix\"><img loading=\"lazy\" decoding=\"async\" width=\"803\" height=\"315\" class=\"size-full wp-image-14330 aligncenter\" src=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/10\/img_61707ab2ada55.png\" alt=\"\" srcset=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/10\/img_61707ab2ada55.png 803w, https:\/\/margill.com\/wp-content\/uploads\/2021\/10\/img_61707ab2ada55-300x118.png 300w, https:\/\/margill.com\/wp-content\/uploads\/2021\/10\/img_61707ab2ada55-705x277.png 705w, https:\/\/margill.com\/wp-content\/uploads\/2021\/10\/img_61707ab2ada55-450x177.png 450w\" sizes=\"auto, (max-width: 803px) 100vw, 803px\" \/><\/div>\n<div><\/div>\n<div>I then started paying all my alimony and want to know the total amount owed today (Oct 20, 2021 at end of day). I added a line with a 0.00 payment:<\/div>\n<div><\/div>\n<div><img loading=\"lazy\" decoding=\"async\" width=\"1031\" height=\"260\" class=\"size-full wp-image-14331 aligncenter\" src=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/10\/img_61707c109dc4a.png\" alt=\"\" srcset=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/10\/img_61707c109dc4a.png 1031w, https:\/\/margill.com\/wp-content\/uploads\/2021\/10\/img_61707c109dc4a-300x76.png 300w, https:\/\/margill.com\/wp-content\/uploads\/2021\/10\/img_61707c109dc4a-1030x260.png 1030w, https:\/\/margill.com\/wp-content\/uploads\/2021\/10\/img_61707c109dc4a-705x178.png 705w, https:\/\/margill.com\/wp-content\/uploads\/2021\/10\/img_61707c109dc4a-450x113.png 450w\" sizes=\"auto, (max-width: 1031px) 100vw, 1031px\" \/><\/div>\n<div class=\"moz-cite-prefix\"><\/div>\n<div>If interest rates change, you can also change the rates&#8230;<\/div>\n<div><\/div>\n<div class=\"moz-cite-prefix\">You can even add irregular arrears before crating the scheule via Excel (if you have many).<\/div>\n<div class=\"moz-cite-prefix\"><\/div>\n<div class=\"moz-cite-prefix\"><img loading=\"lazy\" decoding=\"async\" width=\"647\" height=\"376\" class=\"size-full wp-image-14329 aligncenter\" src=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/10\/img_61707ab2ad787.png\" alt=\"\" srcset=\"https:\/\/margill.com\/wp-content\/uploads\/2021\/10\/img_61707ab2ad787.png 647w, https:\/\/margill.com\/wp-content\/uploads\/2021\/10\/img_61707ab2ad787-300x174.png 300w, https:\/\/margill.com\/wp-content\/uploads\/2021\/10\/img_61707ab2ad787-450x262.png 450w\" sizes=\"auto, (max-width: 647px) 100vw, 647px\" \/><\/div>\n<div class=\"moz-cite-prefix\"><\/div>\n<div class=\"moz-cite-prefix\"><\/div>\n<div class=\"moz-cite-prefix\">Hope this helps<\/div>\n<div class=\"moz-cite-prefix\"><\/div>\n<div class=\"moz-cite-prefix\">Marc Gelinas, Attorney, MBA<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Question: I am often faced with paying late alimony, and I want to be sure that the interest calculations they are hitting me with are correct. I pay 4% simple interest only on late or fractional payments. I am testing your software right now, and if I am say $500 short but pay it within [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_crdt_document":"","footnotes":""},"categories":[409,193,408],"tags":[311,310,309],"class_list":["post-14326","post","type-post","status-publish","format-standard","hentry","category-margill-law-and-standard-documentation","category-knowledge-base","category-margill-law-and-standard","tag-interest-calculation-on-alimony","tag-late-alimony","tag-missed-alimony"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>I am often faced with paying late alimony, and I want to be sure that the interest calculations they are hitting me with are correct. 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