                          NO. 4-07-0256              Filed 4/3/08

                      IN THE APPELLATE COURT

                            OF ILLINOIS

                          FOURTH DISTRICT

In re: the Marriage of                   ) Appeal from
ROBERT J. DEIKE,                         ) Circuit Court of
          Petitioner-Appellant,          ) McLean County
          and                            ) No. 94D540
MARSHELLA M. DEIKE,                      )
          Respondent-Appellee.           ) Honorable
                                         ) Rebecca Simmons Foley,
                                         ) Judge Presiding.
_________________________________________________________________

           JUSTICE KNECHT delivered the opinion of the court:

           Petitioner, Robert J. Deike, appeals from an order (1)

requiring him to pay one-half of his three children's college

expenses; (2) denying his request to reduce child support, except

as to the requirement he maintain health insurance on the chil-

dren; and (3) finding him in indirect civil contempt for failure

to (a) pay one-half of the children's college expenses in a

timely manner and (b) remain current with child-support obliga-

tions.   We affirm as modified.

                           I. BACKGROUND

           Robert and respondent, Marshella M. Deike (now Goben),

were married on October 17, 1981.   Three children were born of

the marriage, Brennon, born July 7, 1984; Ashley, born March 19,

1986; and Paige, born August 6, 1987.     On October 19, 1994, the

trial court entered a judgment for dissolution of marriage

incorporating a marital settlement agreement.    The marital

settlement agreement provided each party agreed to pay 50% of the

children's college expenses; Robert agreed to pay Marshella
$312.50 in child support every two weeks; and each party agreed

to keep the children covered under his or her employer-provided

health-care plan.

          At the time of the dissolution, Robert was employed by

Diamondstar Motors (now Mitsubishi) and Marshella was employed at

State Farm Insurance Companies.   In January 2004, Mitsubishi

decided to downsize and Robert's position was eliminated in

February 2004.   He received a severance package of 38 weeks worth

of pay and health insurance.   He also received unemployment

insurance benefits until about October 2004.

          The parties' oldest child, Brennon, began college at

Augustana College in the fall of 2003.   The parties' two daugh-

ters were in high school.

          On June 18, 2004, Marshella filed a petition regarding

educational expense asking the court to define the term "college

expenses" in the provision of the marital settlement agreement

requiring each party to pay 50% of the children's college ex-

penses.   That same date Marshella filed a petition for modifica-

tion of child support asking Robert be required to contribute to

the medical and dental insurance expenses for the children and

for such other relief as deemed just by the trial court.   Fi-

nally, also on June 18, 2004, Marshella filed a petition for a

finding of indirect civil contempt for failure to pay child

support because Robert was two weeks in arrears on his child-

support payments.

          On August 11, 2004, Marshella filed an amended petition


                               - 2 -
regarding educational expense in which she requested the trial

court include reasonable contribution toward living expenses

during the summer months be included in the definition of "col-

lege expenses" in the provision of the marital settlement agree-

ment requiring each party to pay 50% of the children's college

expenses.    On September 30, 2004, Robert filed a petition to

reduce child support to not only reduce his child-support amount

but also to eliminate the requirement he maintain health insur-

ance through his employer.

            On October 13, 2006, Robert filed a petition to modify

post-high-school financial support in relation to the provision

of the marital settlement agreement requiring each party to pay

50% of the children's college expenses.    On November 7, 2006,

Marshella filed a second amended petition regarding educational

expense as all three of the children were now in college and the

term "college expenses" in the provision of the marital settle-

ment agreement requiring each party to pay 50% of the children's

college expenses still needed to be defined.    That same day

Marshella also filed an amended petition for adjudication of

indirect civil contempt relating to Robert's willful failure to

pay one-half of the children's college expenses.

            On January 19, 2007, the trial court heard evidence

concerning all pending petitions.    At the time of the hearing,

all three children were attending college.    Brennon was a senior

in his final semester at Augustana College; Ashley was a freshman

at Lincoln College in Normal and was a commuter student, living


                                - 3 -
with Marshella; and Paige was a freshman at Augustana College,

living on campus.

            Testimony in regard to Brennon's college expenses was

he received $12,671 per year in grants and scholarships and

$1,350 per year in federal work study, which required him to work

to receive that money.    He also earned between $1,424 and $2,237

each summer while in college.    Based on Marshella's exhibits,

Robert still owed $9,856.12 through the first semester of

Brennon's senior year.

            Marshella testified at that time Robert owed her

$2,931.92 as his share of college expenses for Ashley’s first

semester.    A full-time commuter student at Lincoln College can

expect to pay $15,810 in tuition and fees per academic year.

Ashley is receiving a scholarship of $3,500 per year.    Marshella

presented exhibits from Lincoln College and Illinois State

University (ISU) showing the out-of-pocket expenses for a full-

time commuter student were $3,425 and $6,994, respectively.

Marshella requested Ashley's living expenses for college be

calculated at the $3,425 level.    Ashley worked throughout high

school and earned between $2,970 in 2003 and $7,358 in 2005.      She

now works one eight-hour day per week while in college.

            As for Paige's expenses, Marshella testified Robert's

50% share of college expenses still owed through December 10,

2006, was $6,930.75.    Paige works 8 to 10 hours weekly while at

school and receives the same amount of financial assistance as

Brennon, approximately $12,000 per school year.    Marshella


                                - 4 -
asserted, without any documentation, the cost for Brennon and

Paige to attend Augustana College, after deducting grants,

scholarships, and work study is significantly less than it would

have been to attend the University of Illinois and not receive

any scholarships and grants.

           Marshella also requested reimbursement of $577.97, one-

half of the added expenses she incurred during 2 1/2 months of

summer when the three children resided with her.   She testified

Robert was also $2,187.50 in arrears in his child-support obliga-

tions.

           After the parties' divorce, Marshella set up savings

accounts on behalf of the children to save for college expenses.

She used these to pay for a portion of her 50% contribution to

their expenses and depleted them completely during the girls'

first semester in college.

           At the time of the hearing, Marshella was earning

approximately $57,000 per year at her job at State Farm.   At the

time of the dissolution, 14 years earlier, she made approximately

$30,000 per year.   Including the expenses she incurred for the

children's college education, Marshella's average monthly ex-

penses totaled $5,350.74, while her net monthly income from all

sources was only $2,361.95.

           Marshella testified when the girls decided to attend

college, they did not discuss their college selections with

Robert.   Ashley decided to go to Lincoln because she received a

$3,500 scholarship and she liked the school.   She wanted to


                               - 5 -
attend Lincoln instead of Parkland College because she could use

the facilities at ISU if she chose to transfer there.    Paige

decided to attend Augustana because she liked the campus, her

brother attends there, it asked her to run cross-country although

it did not give athletic scholarships, and she would have oppor-

tunities there to do research in her chosen major, biology.

            Robert had a college degree and educational experience

in computer-aided drafting and pre-engineering courses.    He was a

staff engineer when last employed at Mitsubishi and had previous

employment experience as a contract draftsman as well as a

maintenance mechanic and in project management.    In 2004, Robert

reported net earnings of approximately $47,000.    Robert testified

when he was laid off in 2004, he applied to 25 to 30 engineering

firms in Central Illinois, Wisconsin, Minnesota, and North

Dakota.

            In late fall 2004, Robert and his current wife, Sue,

purchased property in Ada, Minnesota, containing a bar and grill

with a small apartment upstairs for $32,000.    They put $16,000

down on the property and at the time of the hearing in January

2007 the balance on the property was approximately $15,000.

Robert and Sue decided to become self-employed by operating the

bar and grill when Robert was having trouble finding work in his

field.    Robert previously lived in Minnesota and had family

there.    Sue had previous experience working in the restaurant

industry.    In addition to the mortgage, Robert testified he and

Sue spent $5,922 and $11,087 for new equipment and remodeling


                                - 6 -
during the first year they owned the bar and grill.

            Robert also owns a cabin on a lake in Minnesota which

he inherited from his parents.    In July 2006, when Robert ob-

tained a $23,000 mortgage on the lake property, it appraised at

$120,000.    As of the hearing, Robert testified as an adverse

witness the mortgage was then approximately $20,000.     Robert also

owns a 16-foot outboard motorboat worth $6,000 he uses at the

cabin and two snowmobiles.    Robert also owns property in LeRoy,

Illinois, containing four commercial buildings.     The property

previously contained a gas station and was found to have soil

contamination after his purchase.    Although he at one time was

asking $57,000 for the property, now he would simply like to get

the value of the mortgage he still owes, $35,000, but he was

having a hard time selling the property.

            Robert testified the bar and grill lost $28,000 in 2005

and he anticipated a loss for 2006 but not as great a loss.

            In January 2006, Robert took out a $10,000 parent loan

to pay for some of Brennon's college tuition.     The loan proceeds

were sent directly to Augustana but since all $10,000 was not

needed at that time, approximately $4,000 was refunded to Robert.

The $4,000 returned to Robert was not used for college expenses.

Robert still owed $9,000 on that loan.

            Robert's wife Sue also testified.   She and Robert

bought the bar and grill because Robert was "pretty good with

money" and she had worked in bars and restaurants all her life.

When Robert and Sue purchased the bar and grill, they intended


                                 - 7 -
for it to be their only employment; but in spring 2005, when he

was putting child-support payments on credit cards, Sue insisted

Robert find another job and he began working at Fargo Paint and

Glass where he earns approximately $27,000 per year.

            Sue does most of the work at the bar now, putting in

100-hour weeks, while Robert performs maintenance and sometimes

tends bar, working 30 to 40 hours per week in addition to his job

at Fargo Paint and Glass.    The business is mostly a cash business

and Sue and Robert receive no salaries.    Any tips they receive go

back into the coffers of the business.    They pay $8,000 per year

for dramshop insurance.   Sue testified they spent $45,000 in 2005

to remodel their kitchen and another $10,000 in one-time start-up

costs.   Of the $45,000 spent for the kitchen, $30,000 came from a

loan and they spent $15,000 out of pocket.    The parties have an

$80,000 debt-consolidation loan.    The bar and grill lost money in

2005 and again in 2006, but not as much with $126,000 gross sales

in 2006.

            Robert testified in his own behalf and corrected his

earlier testimony concerning the loan secured by the cabin.    He

stated the debt-consolidation loan, which was between $60,000 and

$80,000, was secured by the mortgage on the cabin.    He stated he

was unsure of the amount in his earlier testimony.

            After considering all of the evidence, the trial court

granted Marshella's second amended petition regarding educational

expenses.    The court ordered Robert to share equally in college

expenses for all three children, defined as tuition, fees, room,


                                - 8 -
board, books, personal expenses, and transportation expense;

medical- and dental-insurance contribution; uninsured medical,

dental, vision, orthodontia, and other health-related expenses

not covered by medical and dental insurance; and to make reason-

able contribution toward living expenses of the children during

the summer months.   Specifically, the court ordered Robert to pay

one-half of Ashley's living expenses with two equal installments

of $1,712.50 per academic year, thus making Robert's one-half

equal to $3,425 per year and her total living expenses $6,850.

This was double the amount actually requested by Marshella.      As

to the summer expenses, the court ordered Robert to pay $329.02

for the next two summers (2007 and 2008).     The court excluded

Marshella's requested reimbursement for costs for mortgage,

property taxes, and insurance, as those are fixed costs regard-

less of the presence of the girls.      The court found Robert owed

$26,236.78 in past college expenses.

          In denying Robert's petition to modify post-high-school

financial support, the court found the parties' children contrib-

uted to their college education by obtaining financial assistance

and working, thus significantly reducing college costs.     Further,

the court found the costs were "very reasonable" despite being

private colleges.    The court also stated at the time of dissolu-

tion Robert made "substantially greater income" than Marshella

and continued to work at Mitsubishi for 10 more years.     Yet

Marshella saved money for the children's college education while

Robert did not.   The court found modifying the parties' agreement


                                - 9 -
now to make Marshella pay a greater share would be unfair.

Although Robert no longer earns his Mitsubishi salary, he has

assets to use as collateral for college loans.

          The trial court granted Robert's petition to reduce

child support in part and denied it in part.   The court relieved

Robert of the requirement he maintain health insurance on the

children as of September 30, 2004, the date he filed his petition

to modify.   However, because Marshella is required to continue to

maintain group medical, dental, and vision insurance on the

children so long as they are dependents, the court found Robert

is required to reimburse Marshella one-half of the monthly costs

of that insurance, currently $67.51.

          As for child support, the trial court denied Robert's

request to decrease his child-support obligation.   The court

noted while he lost his employment at Mitsubishi through no fault

of his own, once his unemployment benefits terminated, he pur-

chased the bar and grill, which he and his spouse report has

operated at a loss since the purchase.   Not until spring 2005 did

Robert seek full-time employment when he had depleted his savings

account and began placing child support and college expenses on

credit cards.   As a result, the court found Robert owed $2,187.50

in child support.

          Finally, the trial court found Robert in indirect civil

contempt of court for failure to pay one-half of the children's

college expenses in a timely manner and for his failure to remain

current with child support.   As a sanction for his contempt,


                              - 10 -
Robert was ordered to pay $2,382.67 as partial reimbursement for

Marshella's attorney fees.    The court found Robert was due a

credit of $4,375 for amounts paid in either child support or

college expenses after June 1, 2006, and, thus, the total amount

Robert owed in past college expenses plus past child support was

$24,049.78.    He could purge his contempt by paying to Marshella

that amount on or before April 15, 2007.

            This appeal followed.

                             II. ANALYSIS

                         A. College Expenses

            "A trial court's decision to award educational expenses

will not be reversed absent an abuse of discretion."    In re

Marriage of Thomsen, 371 Ill. App. 3d 236, 243, 872 N.E.2d 1, 7

(2007).   A trial court has the authority to modify provisions of

a marital settlement agreement pertaining to payment of college

expenses.    In re Marriage of Loffredi, 232 Ill. App. 3d 709, 712,

597 N.E.2d 907, 910 (1992).    "The pertinent question in determin-

ing whether to grant a petition for modification of a provision

for payment of college expenses is the same as that on a petition

to modify any other support term.    That is, whether the peti-

tioner has shown a substantial change in circumstances [cita-

tion.]"   Loffredi, 232 Ill. App. 3d at 714, 597 N.E.2d at 911.

            As with any other form of child support, a trial court

can consider the parties' assets and other elements of financial

resources, even the financial status of a current spouse, to

determine whether payment of support would endanger the ability


                                - 11 -
of the support-paying party and that party's current spouse to

meet their needs.     In re Marriage of Keown, 225 Ill. App. 3d 808,

813, 587 N.E.2d 644, 647 (1992).    When courts look at a parent's

ability to pay a child's educational expenses, their financial

resources include all money or property to which the parent has

access.   In re Marriage of Drysch, 314 Ill. App. 3d 640, 644-45,

732 N.E.2d 125, 129 (2000).    Resources mean "'[m]oney or any

property that can be converted to meet needs.'"     Drysch, 314 Ill.

App. 3d at 644, 732 N.E.2d at 129, quoting Black's Law Dictionary

1178 (5th ed. 1979).    Section 513 of the Illinois Marriage and

Dissolution of Marriage Act (Dissolution Act) provides similarly:

"[t]he court may award sums of money out of the property and

income of either or both" of the child's parents as equity may

require for support of the child's educational expenses.    750

ILCS 5/513(a)(2) (West 2006).

          Robert argues he has shown a substantial change in

circumstances since the marital settlement agreement was entered.

He lost his job at Mitsubishi through no fault of his own.    He

was unable to find work in his field and bought a bar and grill

to become self-employed.    He had to invest money into the bar and

grill to get the business going and, unfortunately, it has not

yet shown a profit.    Due to his business obligations as well as

other obligations such as the college expenses, child support,

and the mortgage on property in LeRoy, Robert contends he has

mortgaged his cabin worth $120,000 up to $80,000 and has nothing

else to borrow against.    He argues he does not have sufficient


                                - 12 -
income to afford the costs of his three children's college

educations, including full reimbursement of Ashley's imputed

housing expenses while she is living at home.

           We disagree with Robert except for the full reimburse-

ment of Ashley's living expenses.   The trial court ordered Robert

to pay one-half of Ashley's living expenses and then computed it

as requiring him to make two equal payments of $1,712.50 per

academic year, making Robert's one-half equal to $3,425 per year.

This would mean her total living expenses for a year total

$6,850.   At trial, however, Marshella testified living expenses

for a commuter student at Lincoln College would be $3,425 per

academic year and at ISU $6,994 per academic year.   Marshella

stated the reason she presented the evidence as to the costs at

ISU was to show the $3,425 figure she was requesting per year was

reasonable.   Marshella showed a total of $3,425 in living ex-

penses for Ashley.   Robert is rightfully required to pay one-half

of those expenses or a total of $1,712.50 per academic year.

Thus, his two payments per academic year for Ashley will be

$855.25 each.   Further, because Robert's arrearage total included

the full amount of $3,425 when he was only responsible for half

that amount, it will be reduced by $1,712.50, to a total of

$22,337.28.

           As for the remaining college expenses, Robert is

responsible for one-half as he agreed to be in the marital

settlement agreement.   He owns a cabin worth $120,000 and he

testified it had a $23,000 mortgage.   His later testimony regard-


                              - 13 -
ing the cabin as collateral for his $60,000 to $80,000 "debt-

consolidation" loan need not have been believed by the trial

court.   He was unable to remember the amount of the loan.    Robert

provided no paperwork regarding either the existence of the debt-

consolidation loan or any collateral for the loan.     He testified

he paid a $16,000 down payment on the bar and grill with a sale

price of $32,000.   At the time of the hearing, he testified he

owed $15,000 on the bar and grill, which means the business

should then have $17,000 in equity.     He also owned a boat he

testified was worth $6,000.    Robert had sufficient collateral to

obtain another loan or he could sell some of his property.

          Robert lost his job at Mitsubishi through no fault of

his own, but he had substantial severance and unemployment

benefits and was employable.   When those ran out, he chose to

invest in the bar and grill, thereby depleting any reserve he had

and incurring more debt when he had college-expense obligations

for Brennon and knew he would likely have those obligations for

both daughters in the near future.      He is capable of earning in

excess of $47,000 per year as shown by his net income in 2004

while he is actually in a job paying him $27,000 in gross income.

          Robert argues there were less-expensive educational

alternatives for his daughters although he does not argue Brennon

should not have finished school at Augustana.     Brennon enrolled

there when Robert was still employed at Mitsubishi.     However,

Robert did not present any specific evidence as to the actual

cost of a state school education although there was some evidence


                               - 14 -
of it in evidence introduced by Marshella and in Robert's marked

exhibits not referred to in testimony.    The thrust of Robert's

argument in the trial court was the change in circumstances

demonstrated by his job loss and losing business investment.     His

argument was not about the reasonableness of the educational

expenses so much as it has been his perceived lack of resources

to pay for them.

           Robert also contends the trial court's finding the

children have contributed to lower their education costs by

obtaining financial assistance and working is somewhat mislead-

ing.   He acknowledges the children's ability to obtain scholar-

ships and other financial assistance as a great contribution to

their college expenses but he notes while they are working,

Marshella reported reimbursing them for college expenses they

paid from their own checking accounts.    To the extent she seeks

contribution from Robert for this reimbursement, the children's

employment is not helping with college expenses.

           There is no definitive breakdown in Marshella's exhib-

its as to how much money was involved in these reimbursements by

Marshella so there is no way to compute how much, if any, of

these amounts are included in Marshella's requests for reimburse-

ment from Robert.   Any such reimbursement requests of Robert from

Marshella should not be made.    The children's contributions to

their college expenses are just that and Robert should not be

expected to reimburse Marshella if she chooses to reimburse them

for their contributions.   Their financial resources are to be


                                - 15 -
taken into account when considering petitions to modify college

education expenses.    See 750 ILCS 5/513(b)(1) (West 2006).

            The trial court may have been skeptical about Robert's

financial situation.    His testimony about start-up costs and

investment in the bar and grill is not the same as his wife's

testimony.    He was unsure of the amount of the debt-consolidation

loan.    His testimony was contradictory as to whether the debt-

consolidation loan was secured by his lake property.      Bar-and-

grill patrons pay by cash, and neither he nor his spouse has

reported tips received as earnings.      He obtained a parent loan to

assist in paying college expenses for Brennan but used only a

portion of the loan for those expenses.

            We find no abuse of discretion in the trial court's

order requiring Robert pay one-half of his daughters' post-high-

school educational expenses as he agreed to do in the marital

settlement agreement.

                          B. Child Support

            Child support agreed upon in the marital settlement

agreement was $312.50 every two weeks until the youngest child

reached 18 or completed high school, whichever was later.

Assuming this was 32% of net pay, Robert's yearly net pay was

approximately $22,500 while the figures for Marshella were

$30,000 in gross pay.    Support terminated on August 5, 2005,

unless otherwise ordered by court.      A January 19, 2006, agreed

order continued support payments until further order of the

court.


                               - 16 -
            Robert filed his petition to reduce child support in

September 2004.    His net income from October 1, 2004, to June 1,

2006, when both daughters graduated from high school was $31,174.

During the same period, he lost $45,600 related to opening the

bar and grill.    He contends this constitutes a substantial change

in circumstances.

            Modification of child-support orders lies within the

sound discretion of the trial court, and its decision will not be

disturbed on appeal unless an abuse of discretion is found.       In

re Marriage of Rogers, 213 Ill. 2d 129, 135, 820 N.E.2d 386, 389

(2004).    An abuse of discretion occurs in declining to modify a

child-support obligation only when no reasonable person would

agree with the court's decision.    In re Marriage of Sassano, 337

Ill. App. 3d 186, 194, 785 N.E.2d 1058, 1065 (2003).

            Child support is modifiable only upon a showing of

substantial change in circumstances.    750 ILCS 5/510(a)(1) (West

2006).    When determining whether there is sufficient basis to

modify child support, courts consider the circumstances of the

parents and the circumstances of the child.    In re Marriage of

Breitenfeldt, 362 Ill. App. 3d 668, 673, 840 N.E.2d 694, 699

(2005).    "The trial court's determination whether a substantial

change in circumstances [has] occurred is one of fact and will

not be disturbed unless it is *** against the manifest weight of

the evidence."    In re Marriage of Armstrong, 346 Ill. App. 3d

818, 821, 805 N.E.2d 743, 745 (2004).

            Robert contends there was a dramatic change in circum-


                               - 17 -
stances from the 1994 judgment.   Marshella's income increased

from $30,000 to $57,000 while he lost his job in 2004.   Robert's

severance package paid for the equivalent of an additional 38

weeks of salary and he received unemployment compensation.    He

contends he kept up child-support payments until his benefits ran

out.

           Robert looked for other work but was unable to find a

job using his education, skills, and experience.   Robert contends

he and his new wife chose to open a bar and grill for valid

reasons, self-employment.   Unable to generate sufficient cash

flow within the first few months of ownership to meet all his

financial obligations, Robert took a job paying only $27,000 per

year.

           Robert considers the bar and grill a wise financial

investment and argues consideration of his income should include

the loss he has incurred during the last 20 months in his child-

support obligation.   He asks his child-support obligation be

reduced to $50 per week.    Alternatively, ignoring the loss on the

bar and grill, his net income from Fargo Paint and Glass was

$359.70 per week, 28% of which would be $100.72 per week and he

argues this case should be remanded for a redetermination of

child support.

           "[C]ourts have the authority to compel parties to pay

child support at a level commensurate with their earning poten-

tial."   In re Marriage of Adams, 348 Ill. App. 3d 340, 344, 809

N.E.2d 246, 249 (2004).    "A court may impute additional income to


                               - 18 -
a noncustodial parent who is voluntarily underemployed."     Adams,

348 Ill. App. 3d at 344, 809 N.E.2d at 249.

            Robert contends the bulk of the bar and grill patrons

pay in cash and he and Sue contend they receive no salary.    The

trial court could have rejected the latter contention as the

judge of the credibility of witnesses.

            Marshella argues the children's needs have increased

while Robert refuses to pay even what he originally agreed to pay

as support for his children.    She contends Robert did not make

reasonable efforts to seek reemployment in his field and purchas-

ing the bar and grill without investigating why it was for sale

or what the customer base was before purchasing was not a reason-

able attempt to retain earnings similar to what he earned at

Mitsubishi.

            The fact Robert lost $46,500 related to opening the bar

and grill while earning only $31,174 does not amount to a sub-

stantial change in circumstances where he made that choice.    The

trial court's conclusion no substantial change in circumstances

occurred is not contrary to the manifest weight of evidence where

Robert also owns a cabin and continues to operate a business at a

loss.   He was able to expend thousands of dollars to renovate the

bar and grill.    Before purchasing the business, Robert should

have been concerned about how he would continue to support his

children.    The record establishes Robert was underemployed and,

thus, not unable to pay previously agreed-upon child support.

The trial court did not abuse its discretion in denying Robert's


                               - 19 -
petition to modify child support.

           As to the trial court's termination of Robert's obliga-

tion to maintain health insurance, he contends this was not

really a finding in his favor as the court also directed Robert

to reimburse Marshella for one-half of her costs of maintaining

insurance.   The marital settlement agreement required both

parents to maintain health insurance as provided by their employ-

ers.   Robert argues he did not have such insurance available at

the time of hearing so he was already in compliance with the

order of dissolution.   No reimbursement was required by that

order, and given the changes in the parties' financial circum-

stances, Robert argues it was an abuse of discretion for the

trial court to order him to reimburse Marshella for insurance she

is already required to provide.

           At first glance, Robert's argument has merit.   However,

both parties initially agreed they would each carry health

insurance for the children through their employers.   Robert

admits he no longer carries such insurance but he is now employed

at Fargo Glass and Paint and he provided no evidence he could not

obtain health insurance through that employer.   Absent such

evidence, it was not an abuse of discretion for the trial court

to order Robert to reimburse Marshella one-half of the cost of

health insurance she provides the children.

                            C. Contempt

           The trial court found Robert in indirect civil contempt

for failure to pay one-half of the children's college expenses


                              - 20 -
and failure to remain current with child support.     Section 505(b)

of the Dissolution Act authorizes a court to find a payor parent

in contempt for violating a support order.     Generally, such an

order must include a finding the contemner's failure to comply

with the order was willful.    Janov v. Janov, 60 Ill. App. 2d 11,

15, 207 N.E.2d 691, 693 (1965).

            Whether a party is guilty of contempt is a question of

fact for the trial court and a reviewing court will not disturb

such a finding unless it is against the manifest weight of the

evidence or the record reflects an abuse of discretion.      In re

Marriage of Hardy, 191 Ill. App. 3d 685, 689, 548 N.E.2d 139, 141

(1989).

            Robert argues when he lost his job in February 2004

he stayed current with his obligations through 2004 due to a

severance package of 38 weeks of pay and receipt of unemployment

benefits.    He filed a petition to reduce child support at the end

of September 2004.    In 2005, he paid $4,687.50 in child support.

In February 2006, he paid $2,812.50.     The shortfall is only

$2,187.50.    In addition, Robert contends he continued to pay

child support of $312.50 for 14 weeks after the youngest children

graduated from high school on June 1, 2006.     In Brennon's sopho-

more year in college (2004-05) Robert paid $8,932,85 toward

college expenses.    In 2005-06 school year, he paid $9,694.62.

            Robert was unsuccessful in his job search based on his

experience, skills, and education.      He bought the bar and grill

and ultimately had to take a full-time job in addition to running


                               - 21 -
the business to generate income to try to meet his obligations.

Meanwhile, mutual petitions of the parties remained outstanding

concerning the appropriate amount of financial assistance for

college and for child support.   While he admits he was not in

compliance with the 1994 judgment, Robert contends his violation

was not willful and he should not be held in contempt.

          Failure to pay child support is prima facie evidence of

contempt and the alleged contemner is obligated to show his

failure to comply was not willful.     Gibson v. Barton, 118 Ill.

App. 3d 576, 583-84, 455 N.E.2d 282, 287 (1983).    Because of this

presumption of willfulness, the burden of proof is on Robert to

show his actions were not willful. In re Marriage of Talmadge,

179 Ill. App. 3d 806, 817-18, 534 N.E.2d 1356, 1363 (1989).

          Financial inability to comply with a support order is a

defense to contempt.   It must, however, be shown by definite and

explicit evidence.   General testimony does not meet that burden.

A payor must, by testimony, present evidence establishing with

reasonable certainty money disbursed for expenses other than

payments on the support order was disbursed for expenses permit-

ted by law.   See In re Marriage of Sharp, 369 Ill. App. 3d 271,

280, 860 N.E.2d 539, 548 (2006).

          Marshella filed her petition for contempt on June 18,

2004, and Robert did not respond until September 30, 2004, when

he filed his petition to modify child support.    Marshella had to

file a petition for educational expenses on June 18, 2004,

amended on August 11, 2004.   Robert did nothing until October 13,


                              - 22 -
2006, when he filed a motion to amend college-expense obliga-

tions.   He failed to cooperate during discovery, requiring

Marshella to file a motion to compel and a motion for sanctions,

which resulted in sanctions against Robert.      This shows disregard

for the trial court's authority and lengthened the proceedings,

resulting in larger attorney fees for Marshella.

            By the time of the trial court hearing in January 2007,

Robert was in arrears on child support, college expenses he had

agreed to pay, uncovered medical expenses, and medical insurance

costs in the amount of $22,337.28.      He provided no evidence he

could not pay them as they were incurred.      He owned a bar and

grill, which he claimed was operating at a loss.      This need not

be accepted by the court, particularly when Robert did not

explain how he and his wife, as well as her 12-year-old daughter,

survived.    Robert also owned a cabin, property in LeRoy, a boat,

and the bar and grill property, which also included Robert's

apartment.    The bulk of the bar and grill's customers paid in

cash, and Robert offered no real accounting of the cash.      Robert

offered no justification for debts incurred and payments made for

a new business in disregard of his obligation to his children.

            Because finding a party in contempt for failing to

comply with a court order implies a finding the failure to comply

was without cause or justification, the imposition of attorney

fees is allowed.    In re Marriage of Cierny, 187 Ill. App. 3d 334,

348, 543 N.E.2d 201, 211 (1989).    Where an ex-spouse's failure to

pay was without cause or justification, an award of attorney fees


                               - 23 -
is mandatory by statute.   See 750 ILCS 5/508(b) (West 2006).    The

trial court ordered Robert to pay $2,382.67 toward Marshella's

total attorney fee bill of $5,765.34.    It could have ordered

Robert to pay the entire amount.

                           III. CONCLUSION

          For the foregoing reasons, we affirm the trial court's

judgment as modified.

          Affirmed as modified.

          STEIGMANN, J., concurs.

          COOK, J., dissents.




                                - 24 -
          JUSTICE COOK, dissenting:

          I respectfully dissent.    The trial court abused its

discretion and its decision is contrary to the manifest weight of

the evidence.   I would reverse and remand with directions that

the trial court reduce Robert's obligation to pay college ex-

penses, eliminate Robert's obligation to pay child support, and

vacate its finding of contempt.

          The dissolution judgment in this case was entered in

1994, incorporating a marital settlement agreement that required

each party to pay 50% of the children's college expenses and for

Robert to pay $312.50 in child support every two weeks until the

youngest child reached 18 (August 2005).

          In 1994, Marshella was earning approximately $30,000 at

her job at State Farm and Robert was apparently earning approxi-

mately $22,500 at Mitsubishi.    At the time of the hearing, in

January 2007, Marshella was earning approximately $57,000 per

year at State Farm.   However, Robert's position as a staff

engineer at Mitsubishi was eliminated in February 2004 when the

company downsized.    After the layoff, Robert applied to 25 to 30

engineering firms, without success.      Robert and his current wife

then bought a bar and grill in Minnesota.     The bar and grill lost

$28,000 in 2005.   It did better but still lost money in 2006.    In

the Spring of 2005, Robert began working at Fargo Paint and

Glass, where he earns approximately $27,000 per year, while still

working 30 to 40 hours per week at the bar and grill.

          Brennon began college in 2003.     Ashley and Paige began


                                - 25 -
in 2006.    Paige became 18 in August 2005, at which time child

support was to end, according to the marital settlement agree-

ment.    Robert stayed current until June 2004 by putting his

payments on credit cards.

            The trial court refused to relieve Robert of any of his

obligation to pay 50% of college expenses, employing a broad

definition of "college expenses," including living expenses

during the summer recess (but denying Marshella's request that

she be reimbursed for her mortgage, property taxes, and insur-

ance).    The court found that Robert owed $26,236.78 in past

college expenses, and $2,187.50 in child support, with a credit

of $4,375 for amounts paid after June 1, 2006.      The court found

Robert in indirect civil contempt for failure to pay one-half of

the children's college expenses in a timely manner and failing to

remain current with child support.      As a sanction, Robert was

ordered to pay $2,382.67 as partial reimbursement for Marshella's

attorney fees.    Robert could purge himself of contempt by paying

$24,049.78 before April 15, 2007.

            The trial court complained that Marshella had saved

money for the children's college education while Robert did not.

The trial court reasoned that although Robert no longer earns his

Mitsubishi salary, he can borrow money to pay the college ex-

penses.    While Robert lost his job at Mitsubishi through no fault

of his own, he chose to purchase the bar and grill, which has

operated at a loss.

            The majority affirms the trial court's order as to


                               - 26 -
college expenses even though it agrees that Marshella should not

have received credit for her reimbursement of the children for

the college expenses they were able to pay themselves.    Unfortu-

nately for Robert, Marshella's exhibits did not break down how

much money was involved in those reimbursements.    Slip op. at 15.

          The majority concedes that Robert lost his job at

Mitsubishi through no fault of his own but argues that when his

severance benefits ran out "he chose to invest in the bar and

grill, thereby depleting any reserve he had and incurring more

debt when he already had college-expense obligations" and knew he

would have more in the future.   Slip op. at 14.   The question,

however, is not whether the choice worked out successfully.

"[E]conomic reversals as a result of changes in employment or bad

investments, if made in good faith, may constitute a material

change in circumstances sufficient to warrant a modification of a

child[-]support order."    Hardy, 191 Ill. App. 3d at 690, 548

N.E.2d at 142.   The question is whether the choice was made in

good faith.   Employment changes that are voluntary must be made

in good faith and not prompted by a desire to avoid obligations.

In re Marriage of Waldschmidt, 241 Ill. App. 3d 7, 13, 608 N.E.2d

1299, 1303 (1993) (retirement was in good faith, not to avoid

maintenance obligation).   The record affords no evidence that the

choice to become self-employed was in bad faith.    In fact, it is

a mischaracterization to describe this choice as "voluntary."

Robert did not quit his job at Mitsubishi.   His job was elimi-

nated and he was forced to seek new employment.    He was forced to


                               - 27 -
make a choice.

            It is incorrect to say that Robert "is capable of

earning in excess of $47,000 per year as shown by his net income

in 2004," the year he lost his job and received severance bene-

fits.    Slip op. at 14.   We should not assume that a person who

earns $47,000 in one year will be able to earn that amount in

future years.    The loss of long-term employment is often a

devastating blow from which a worker never recovers.     "Certainly

this court cannot find that an employment layoff and an attempt

to become self-employed are attempts to evade financial responsi-

bility."    Hardy, 191 Ill. App. 3d at 690, 548 N.E.2d at 142.      It

appears that the bar and grill was the best employment Robert

could find.    After losing his job at Mitsubishi, Robert unsuc-

cessfully applied to 25 to 30 other firms.     Robert and his wife

had experience in the bar and restaurant business and were

familiar with the Minnesota area.     Robert and his wife are

working hard at the bar and grill, Robert spending 30 to 40 hours

there a week in addition to a second job at Fargo Paint and

Glass.

            Was it a mistake for Robert to "invest in the bar and

grill, thereby depleting any reserve he had and incurring more

debt when he already had college-expense obligations"?     Slip op.

at 14.    Robert was entitled to give some thought to long-term

considerations.    If he believed the bar and grill was likely to

produce the most income over the years, Robert was entitled to

take that into account.     Robert was not required to insure above


                                - 28 -
all else that college expenses were paid.         A worker who "chooses"

to go on strike may have his child-support payments reduced.            In

re Marriage of Horn, 272 Ill. App. 3d 472, 477, 650 N.E.2d 1103,

1107 (1995).    In In re Marriage of Webber, 191 Ill. App. 3d 327,

330, 547 N.E.2d 749, 751 (1989), petitioner argued that respon-

dent "was aware of his support obligation and the increasing

needs of their children but still chose" to enroll full time in

college and reduce his hours of employment to 14 hours per week.

The court nevertheless reduced respondent's child-support obliga-

tion.    "A good-faith, voluntary change in employment which

results in reduced financial ability can constitute a substantial

change in circumstances."       Webber, 191 Ill. App. 3d at 330, 547

N.E.2d at 751.    The question is whether Robert acted in good

faith.    No evidence indicates that he did not.       He faithfully

paid child support for many years.         He even paid child support

and college expenses when he did not have sufficient income, by

borrowing on his credit cards.      Why would Robert intentionally

reduce his income, harming himself as well as his children?

            According to the majority, "Robert had sufficient

collateral to obtain another loan or he could sell some of his

property."    Slip op. at 14.    The majority says that the testimony

that his cabin was already collateral for an $80,000 debt "need

not have been believed by the trial court."         Slip op. at 14.

What other evidence was there?      A trial court's decision should

have some support in the evidence.         The majority says the bar and

grill had $17,000 in equity.      Robert should have sold or mort-


                                  - 29 -
gaged the bar and grill?    Giving up on the bar and grill does not

sound like a solution to the parties' financial problems, it

sounds like bankruptcy.    Even if we assume Robert had some

borrowing ability left, was he required to sacrifice his earning

power for the rest of his life to pay these college expenses?        "A

child does not have an absolute right to a college education."

In re Marriage of Spear, 244 Ill. App. 3d 626, 630, 613 N.E.2d

358, 360 (1993).    Even if we were talking about food and shelter,

a basic principle in setting support is that the amount of

support should be based on current conditions.      See In re Mar-

riage of Carpel, 232 Ill. App. 3d 806, 819, 597 N.E.2d 847, 857

(1992).   It may be appropriate to require Robert to cosign

federally insured student loans for his children.     It is not

appropriate to saddle him for the rest of his life with debts he

will never be able to repay.

           Finally, I disagree that sanctions were properly

imposed for contempt in this case.      "[A] clear defense to con-

tempt exists where the failure of a person to obey an order to

pay is due to poverty, insolvency, or other misfortune, unless

that inability to pay is the result of a wrongful or illegal

act."   In re Marriage of Betts, 155 Ill. App. 3d 85, 100, 507

N.E.2d 912, 922 (1987).    Criminal contempt sanctions are retro-

spective in nature and punish the contemnor for past acts that he

cannot undo.    "'Civil contempt proceedings have two fundamental

attributes:    (1) the contemnor must be capable of taking the

action sought to be coerced, and (2) no further contempt sanc-


                               - 30 -
tions are imposed upon the contemnor's compliance with the

pertinent court order.'" (Emphasis added.)   Helm v. Thomas, 362

Ill. App. 3d 331, 334, 839 N.E.2d 1142, 1144-45 (2005), quoting

Pancotto v. Mayes, 304 Ill. App. 3d 108, 111, 709 N.E.2d 287, 289

(1999).   "The purging provision in a civil contempt sanction for

nonpayment must be based upon a contemnor's ability to pay."

Betts, 155 Ill. App. 3d at 103, 507 N.E.2d at 924-25 (requiring

payment of $12,950 all at once was unrealistic).   In Hardy, the

trial court entered judgment on child-support arrearages in the

amount of $15,500, but it stayed enforcement until further order

of the court where respondent had been laid off and attempted to

become self-employed.   Hardy, 191 Ill. App. 3d at 687, 548 N.E.2d

at 140.   Robert clearly is not capable of paying $24,049.78 at

any time in the near future.   The sanction that Robert pay

$2,382.67 as partial reimbursement for Marshella's attorney fees

lacked any coercive element and constituted instead a penalty for

a prior act.




                               - 31 -
