BK not an issue for new securities job

[tobee43]

Hey, as my mom always told me, "If it's meant for you, you'll get it." Congratulations!!!

your mom's a wise ole soul....LOL!!!! isn't she!

[Fallonedward]

CCjoe: I'm so very excited to that you got this position in finance, it does give me hope and hope for my hubby. Since I had to stop paying the un-secured's way before hubby, I am hopeful that his score will bounce back quicker.

You give me so much inspiration, thanks for sharing

Pandora, onthefence, Freddy, wondering and fallonedward, thank you all. I hope the fact that I was able to secure something in finance, plus the insight they shared with me about how they weighted the bk vs. all other events can give some here reasonable hope and optimism.

[free2breathe]

Joe, that is such wonderful news!! Congratulations!

[mike22]

I have been learning from this site for months now but have only posted a few times. This news is great and while I don't know you at all I am very happy for you, congratulations and way to fight the good fight through difficult times.

This post helps me because like you I am in the financial services industry. I am a licensed Home Loan Originator and have been for the past 13 years. Under the new SAFE Act as part of new requirements a credit report is required to be pulled but guidance as to what that means for renewal is vague at best, worst case you can have your career taken from you even though you have built a practice on good ethical business and can meet all other requirements including background checks, educational hours and testing.

Now is the time that I should say that my credit is bad and I have an active BK under way because in late 2005 I opened my own Company that employed 10 people. I poured my saving into this business and completed many of the tenant improvements for my office myself after work with my family.

The timing could not have been worse because by early 2007 the mortgage industry was in decline and just over a year later I was left alone in my office because the environment made it nessasary to lay off my staff and it was impossible for the Loan Officers that worked with me to survive. I used available credit to survive and then when that ran out sold my rental properties and then foolishly used my 401k to survive.


What I should have done was declared Bankruptcy long before, I risked in good faith and failed but I like many was conditioned that BK was the end all and so it took hitting bottom for me to wise up. Sadly my Dad passed away at the beginning of this year and I learned after his death that he often wondered why I did not file long before, he was so wise. I often feared that he would be upset with me.

OK enough. I want to say sorry for taking this thread up with a portion of my story but I was so uplifted to hear of your new job. I am resolved to fight to the end and believe that if I am called into question my overall history and character will allow me to win the day much like you.

Thanks so much and congrats.

[mommi2many]

That's awesome news, Joe. Way to go! You're an inspiration to us all.

[backtoschool]

I don't know how I missed this post earlier. Congrats!!!!!!!!!!

[researchnerd]

How wonderful! Congrats! It does give me hope that DH will find something, someday.

[ccsjoe]

Thank you all. And Mike22, post any time you want. Just talking about it helps, so welcome to the forum and hijack away!!

[kartoons19]

Joe, Congratulations on the new job, that's awesome!!! It sounds like it is truly a fresh start for you!

[ccsjoe]

Joe, Congratulations on the new job, that's awesome!!! It sounds like it is truly a fresh start for you!

Actually yes it does toons. Hadn't thought about it that way. I start new job on 12/6. Now look at my sig line and what the last day for objections is....LOL

[oregonpilot]

sounds like it's gonna B YOUR special day. SOOOOO COOL 4U

[gman]

The Lord works in mysterious ways!

Simply awesome, Joe. Congratulations!

[mike22]

Thank you all. And Mike22, post any time you want. Just talking about it helps, so welcome to the forum and hijack away!!

Thanks Joe, very nice of you to reply back to me. Your right it helps to talk it out but I felt bad after I posted because I was hijacking, I have never started a thread and your post applied to what has been on my mind so it made sense to post here.

I am fired up for you, what a good feeling it must have been to get that call. I tell you, my pending BK has actually made me better at my job than I was before. My sense from all the checking is that like in your case I will have success even in the midst of a BK.

I don't know if it is the same for you but I have a new appreciation for my job. Once you come face to face with either not being able to obtain work in your chosen field or losing the ability to work in the field because of financial difficulties, it changes your perspective; at least it did for me.

I will keep an eye out for you on the forum.

Take care and all the best

Mike