Bankruptcy or credit collections ruin chance of taking NCLEX-RN

Published

Hello everyone! I was wondering if a person had a record from collection agencies or filed bankruptcy would it prohibit him/her from taking the NCLEX? I dont see why it would but just curious.

Up Vote Up Vote ×
Specializes in MDS/ UR.

Debit is not a criminal offense. It can be taken to a civil level of litigation. Your only issues might be bankruptcy fraud but that again is criminal.

Up Vote Up Vote ×
Debit is not a criminal offense. It can be taken to a civil level of litigation. Your only issues might be bankruptcy fraud but that again is criminal.

Do you know what can cause it to get to a civil level?

Up Vote Up Vote ×
Specializes in MDS/ UR.

Not a lawyer- but it becomes a civil matter when someone gets a judgement against them in court by a creditor. They can garnish your wages, seize bank accounts or put leins on property to satisfy the debt.

Up Vote Up Vote ×
Not a lawyer- but it becomes a civil matter when someone gets a judgement against them in court by a creditor. They can garnish your wages, seize bank accounts or put leins on property to satisfy the debt.

OOhh okay. Show I would know by now if someone had a civil lawsuit against me huh?

Up Vote Up Vote ×

I haven't heard of it being an impediment to licensure, but be aware that an increasing number of healthcare employers are requiring credit checks as part of the employment background check process, and considering that info in making hiring decisions.

Up Vote Up Vote ×
OOhh okay. Show I would know by now if someone had a civil lawsuit against me huh?

It is quite possible for a civil case to go to court with a judgement being entered against you without your knowledge. Usually involves the perjury of the process server, who swears that you were served, when in fact, you were not. Process servers who lie about serving a summons is not a rare thing and almost never challenged, so I have been told. You would find out about the judgement when the bank gives away your assets. The computer generated letter that the bank sends you usually reaches you long after your bank account has been seized.

Up Vote Up Vote ×
Specializes in Float.
It is quite possible for a civil case to go to court with a judgement being entered against you without your knowledge. Usually involves the perjury of the process server, who swears that you were served, when in fact, you were not. Process servers who lie about serving a summons is not a rare thing and almost never challenged, so I have been told. You would find out about the judgement when the bank gives away your assets. The computer generated letter that the bank sends you usually reaches you long after your bank account has been seized.

Soooooo true! I'm going through it right now! I found out about it because I applied for a loan with my credit union and was denied because of a 'judgment' against me. Long story short, they brought an account from a telephone company, drew up papers, took me to court and received a judgment against me without me knowing anything about it. A little more inquiry and I discovered that they were sending notices to an address I never resided at and it was only after I contacted them that they acquired the right address because I received notice that they were filing a wage execution against me.

I got a lawyer, evidence of my current residence and we filed an order to vacate. I'm waiting for a hearing now. I can't believe that a judge would set a judgment against someone without one single, solitary corroborative piece of information. A signature acknowledging the debt, a signature acknowledging that someone has indeed been served, something....but to just go forward based on a collections agency's word?!:eek:

Now these people have already gotten about $500 dollars from me and until this thing is heard, the garnishments will continue. Unbelievable.

Up Vote Up Vote ×
Soooooo true! I'm going through it right now! I found out about it because I applied for a loan with my credit union and was denied because of a 'judgment' against me. Long story short, they brought an account from a telephone company, drew up papers, took me to court and received a judgment against me without me knowing anything about it. A little more inquiry and I discovered that they were sending notices to an address I never resided at and it was only after I contacted them that they acquired the right address because I received notice that they were filing a wage execution against me.

I got a lawyer, evidence of my current residence and we filed an order to vacate. I'm waiting for a hearing now. I can't believe that a judge would set a judgment against someone without one single, solitary corroborative piece of information. A signature acknowledging the debt, a signature acknowledging that someone has indeed been served, something....but to just go forward based on a collections agency's word?!:eek:

Now these people have already gotten about $500 dollars from me and until this thing is heard, the garnishments will continue. Unbelievable.

So you were not able to take the NCLEX-RN exam then?

Up Vote Up Vote ×
Specializes in Float.
So you were not able to take the NCLEX-RN exam then?

I'm responding to the fact that a judgment can be placed against you without your knowledge. As far as being licensed with debt, according to my Board of Nursing in my State, you can't be licensed if you have an outstanding child support debt. If you have student loans you have to provide proof that you've reached an agreement and a repayment plan before being licensed. Bankruptcy or other civil judgments are not mentioned.

Getting your credit report is a sure way to find out if there's any outstanding debts and/or judgments. I've not applied to take the NCLEX as I've yet to enter Nursing School, however I'm in this exact same position and in my research I've run across the debt information I mentioned above.

Up Vote Up Vote ×
Specializes in Vents, Telemetry, Home Care, Home infusion.

unpaid child support or failure to pay student loans will result in one appearing on office of inspector general (oig) sanction list preventing employment in most healthcare facilities getting medicare or medicaid funds.

see: oig exclusions list + affect on nurses ability work

unpaid state taxes may also prevent licensure in many states.

Up Vote Up Vote ×
Specializes in Float.
Unpaid child support or failure to pay student loans will result in one appearing on OIG sanction list preventing employment in most healthcare facilities getting Medicare or Medicaid funds.

Wow! Didn't know that one, what's OIG?

Up Vote Up Vote ×
+ Join the Discussion