When parents divorce, someone usually has to pay child support. No matter how agreeable the divorce is, and how much effort is put forth by the noncustodial parent to pay up, life sometimes gets in the way. Even a short period of unemployment may lead to missed payments, and once a parent is behind on child support it quickly becomes difficult to catch up. “The thing about owing child support is that it never goes away,” said Terry Villalovoz, financial counselor with SNAP, a nonprofit community action agency that provides education and financial assistance to low-income families. “It doesn’t matter if you declare bankruptcy. Back child support will always show up on your credit report. And of course, back child support hurts the child.”