Bankruptsy

  1. 0
    I am a active RN working for agencies as as per diem. I have financial issues that are leading me to apply for bankruptsy. My question is how can this affect my current per diem jobs with the agencies I work for and how can this affect future nursing jobs per diem or full time. I am older RN not interested in buying a housr e in future. I just need to get out of credit care debt and be able to continue nursing and enjoying work like i used to . Thiss is caused by credit card debt and problems with my former companion. This is in New York City, New York
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  4. 42 Comments so far...

  5. 0
    Have you asked the person representing your bankruptcy on this Demrn ?

    They may be a good resource.

    I know credit checks are run but how much play they have in employers varies,

    Good luck to you.
  6. 3
    Bankruptcy is a LAST resort due to how rigorous the process is.
    I think you should seek legal council if someone else used your own credit and ruined it.

    You best bet is to contact and do a payment plan one credit card company at a time.

    We can't give legal advice per TOS; however, personally, there isn't enough debt in the world on one's credit report to file for bankruptcy-that should be the last resort; plus you are working; the best thing for you to do is to make a budget and get to paying this debt; even if it's 30
    dollars a month on one bill until it is paid.
    Emergent, lhflanurse, and SionainnRN like this.
  7. 3
    Quote from LadyFree28
    Bankruptcy is a LAST resort due to how rigorous the process is. I think you should seek legal council if someone else used your own credit and ruined it. You best bet is to contact and do a payment plan one credit card company at a time. We can't give legal advice per TOS; however, personally, there isn't enough debt in the world on one's credit report to file for bankruptcy-that should be the last resort; plus you are working; the best thing for you to do is to make a budget and get to paying this debt; even if it's 30 dollars a month on one bill until it is paid.
    Although I do agree it should only be used as a last option, in my opinion it can sometimes be a better option than paying the lowest amount on a credit card bill forever. Because of interest, paying $30 a month on a credit card would mean you'd likely be paying it off forever. In some types of debt, people truly can be in a hole they can't dig themselves out of, no matter how much they cut back.

    Also, I think the constant phone calls from debt collectors can drive people insane. I listened to a radio show about that, people said they got hundreds of calls a day, and people showing up at their house. I might be tempted to file for bankruptcy just to get left alone.
    poppycat, KelRN215, and Paws2people like this.
  8. 1
    Look into non-profit, reputable credit counseling in your area. I refer many students there who are over their head with credit card debt. No idea about NY, but here, the cost is nominal. Several students have told me it helped the avoid bankruptcy.
    Retired APRN likes this.
  9. 2
    I think you need legal advice on this, and we can't give it here. Call Legal Aid in your area for a consult.
    sharpeimom and Retired APRN like this.
  10. 0
    Quote from SubSippi
    Although I do agree it should only be used as a last option, in my opinion it can sometimes be a better option than paying the lowest amount on a credit card bill forever. Because of interest, paying $30 a month on a credit card would mean you'd likely be paying it off forever. In some types of debt, people truly can be in a hole they can't dig themselves out of, no matter how much they cut back.

    Also, I think the constant phone calls from debt collectors can drive people insane. I listened to a radio show about that, people said they got hundreds of calls a day, and people showing up at their house. I might be tempted to file for bankruptcy just to get left alone.
    You can make an agreement and make an agreement for a monthly payment; depending on the amount, it could be that small; it depends in how willing the company is willing to negotiate and make arrangements-they will suspend interest if they arrangements are made on time; usually it takes two-three payment arrangements to make sure one can make good on it.
  11. 2
    If you havn't done it already the first thing you need to do is destroy all of your credit cards. Then as a previous poster said make an appointment with a reputable credit counselor. Third if you are so far in debt that you are considering bankrutcy you have no business doing agency or per deim work. That is far too unreliable. You need a steady full time job with scheduled hours. Do your agency work on the side but you need to be working a dependable full time job first and foremost.
    Emergent and LadyFree28 like this.
  12. 1
    Some state laws forbid credit checks as condition of employment, unless the job includes exposure to large amount of liquid assets.

    Also, there are legal limits regarding how often each creditor can call you, and during which hours. My understanding is that under federal law, if a collection agency calls you repeatedly, you can tell them they can not contact you again by phone. It doesn't stop their collection efforts, just stops the phone calls.


    Heres for NY
    http://www.nyc.gov/html/dca/downloads/pdf/Debt.pdf
    LadyFree28 likes this.
  13. 0
    I don't know how bankruptcy can affect your career but I would speak to a lawyer(and not just a bankruptcy lawyer) about that. Also, look into Dave Ramsey, that really helped us immensely to become debt free.


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