Internet's first get-out-of-debt community - 134,000 members

Posted: Fri Jun 15, 2007 6:10 pm Subject: I THINK I AM SCR%WED!

Hey everyone I am in a delimma, as you know I graduated nursing school. Now comes the hard part, I have to pay the cost of taking the boards which is VERY expensive. To make matters worse, just as I am nearing the end of my Chpt. 13, the trustee claims he lost my payment and is threatening dismissal if I don't have it by the end of June, NOT A GOOD THING! So I will have to use the money I saved for my exam ($350) to pay this to avoid dismissal. In the mean time I will be having to prove my payment was sent, (I send MOs and I can NOT find the d@mn receipt) To make matters worse there is a deadline to take the boards. Things are tight enough as it is, and please, don't get angry, but I am seeing that my only alternative is to turn to a payday loans in order to pay for my boards. I know that sounds crazy but I don't know what else to do. I wish we were told how expensive this was going to be, maybe that is my fault, I should've been more assertive with my questions. I would've used my tax returns but I had to use all of that to replace my car which broke down. I swear, IT IS ALWAYS SOMETHING. You try to get ahead, and when you think you are there, life puts up another road block.

I have spent the last 3 years sacrificing so much, I thought I was doing well, and preparing a better future me and my kids and it seems now that is all for nothing and I will lose that. I swear, I have been in tears ALL day after my attorney contacted me. I am completely devastated here. It seems life really kicks you hard just when you think good things are right around the corner. Crying or Very sad

Thanks for letting me vent. I really haven't been myself at all today.

Posted: Fri Jun 15, 2007 6:20 pm Subject:

steelers1

try your dresser drawer under all your clothes.

do not go to a payday loan. that is not the answer. you know that if you go, it will be the real downfall of all that you worked for. it will work out. find those reciepts and fax copies to the court/trustie asap.

god speed,
james

Posted: Fri Jun 15, 2007 6:36 pm Subject:

I have looked EVERYWHERE! This absolutely s uc ks! I really don't have any other alternative hear, I am so close to discharge, and this has NEVER EVER been a problem NEVER! It figures though. I honestly have no other alternative but to take out some pdls to get the full payment in to the trustee and to pay for the boards,(there is a deadline for that) Crying or Very sad

Posted: Fri Jun 15, 2007 6:42 pm Subject:

Steelers,

I'm sorry to hear that this happened to you on top of everything else. Please, don't fall prey to the pdl trap again. You know this can lead to no good. You have been such an inspiration on this forum. I will donate all my points that I have available to you. I don't want to see you struggle with the pdl trap again. Maybe others can do the same? After all, the forum is about helping each other through the tough times. Smile

Posted: Fri Jun 15, 2007 6:47 pm Subject:

Can't you take the exam the next time it is offered? (as with the bar exam which is offered twice a year)

Posted: Fri Jun 15, 2007 6:48 pm Subject:

Steelers,
We all know about the PDL trap and I am still getting out of it--but I know a nursing license will be your bread and butter for life. I have just cashed my points in right now or I would also donate to you--is there any way you could sign up with a nursing registry as a CNA and work some fast shifts at a hospital?
When I was doing hospital staffing, I know that hospital staffers LOVED to get nursing students; especially those with an IP. Can you get a job at a SNF as a new grad with an IP? That might be a way to start getting fast cash.
We are going to get you through this, hang in there...

Posted: Fri Jun 15, 2007 6:50 pm Subject:

NOOOOOOO!!!!! I'm sorry all this is happening at once to you. But sometimes when life gives us lemons, we need to make lemonade. For all you've fought against the PDLs, there has to be another way. You've been an inspiration in the fight against these places. I do not want to see you go back, so I will donate all my points to you too. Anyone else??

Posted: Fri Jun 15, 2007 7:06 pm Subject:

Lawstudent, the nursing boards don't test like that. It is when you get your name sent to the board from your school stating you can sit for the exam, then you can register after that, they offer exams all year from my understanding.

Posted: Fri Jun 15, 2007 7:07 pm Subject:

But this is just how my luck goes. I swear it is. I always accept the fact that if there are good times, the bad are just right around the corner, because the good times don't last very long.

Posted: Fri Jun 15, 2007 7:09 pm Subject:

Steelers, I and others here know how hard you've worked and all the struggles and roadblocks you've had to go through to get to this point. I will gladly donate all my points to you. Just try to hang in there.

We have to keep this going. Steelers has been an inspiration and an angel in disguise to others as well as myself here. Can't we all help her out in her time of need?

Posted: Fri Jun 15, 2007 7:23 pm Subject:

I agree, dbaker6! She needs our help now Smile

Posted: Fri Jun 15, 2007 7:29 pm Subject:

I donated my points.. I hope that helps Smile

Posted: Fri Jun 15, 2007 7:37 pm Subject:

I have donated my points, as well. The best of luck to you, Steelers.

Posted: Fri Jun 15, 2007 7:52 pm Subject:

I have been donating my points all along. You are welcome to mine!

Dont return to the addictive one!

cindysunshine · Posted: Fri Jun 15, 2007 10:29 pm Subject:

Try prosper.com, it does take some time, it took me 5 trys but with honesty about your situation, it does happen. I think the minimum loan request is 1,000, I dont know how many days you have but give it a try if you can- DO NOT take out a payday loan, what a nightmare we all know.

Posted: Sat Jun 16, 2007 3:31 am Subject:

Steelers - have you check with your nursing school? They may be able to help or if you have been offered a job a t a hospital try them also-sometimes they will pick up the cost of the exam and then take it out of your pay checks gradually. I just cashed in my points or you could have mine. Let's try to brain storm some alternatives - NOT pdls - you have worked way too hard and come too far to relapse into that insanity. I know how hard it was for you to get through school, but nursed are in demand right now and I will check with some of my contacts to see what is available for you. I know that come hospitals are offering a sign on bonus. Any in your area? Also I know that if you were to work prn as a nures tech you could make some fast cash. Keep strong it will be ok.

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