Sheri257

Sheri257

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All Content by Sheri257

  1. Beyond bad credit-struck by lightening twice

    Sheri257 replied to august_snow's topic in General Nursing

    I still don't understand this "judgement proof" thing ... So you have to remain poor the rest of your life so they can't collect a judgement on you? That doesn't sound very promising. What do you do...

  2. Beyond bad credit-struck by lightening twice

    Sheri257 replied to august_snow's topic in General Nursing

    As this post demonstrates, you should always show up in court but, a lot of people don't. You can ignore lawsuit threats but you shouldn't ignore court notices because the court will automatically...

  3. Beyond bad credit-struck by lightening twice

    Sheri257 replied to august_snow's topic in General Nursing

    Wow. I didn't know that some states set limitations like that. My husband just collected the remainder of a judgement involving a car accident that went back to 1998. That also involved a property...

  4. Beyond bad credit-struck by lightening twice

    Sheri257 replied to august_snow's topic in General Nursing

    Thanks for this info. Great stuff ... I see the distinction here ... "old debt" is anything over two years. I paid those bills within two years, which is why it didn't hurt my score. So two years...

  5. Beyond bad credit-struck by lightening twice

    Sheri257 replied to august_snow's topic in General Nursing

    So ... I guess it depends on how many negative items you have compared with the good ones. Since I never had that many bad items, paying the old bills wouldn't have damaged the score that much ... I...

  6. Beyond bad credit-struck by lightening twice

    Sheri257 replied to august_snow's topic in General Nursing

    In California, Louisiana and Virginia, you can do that ... because, as I previously mentioned, I've done it myself with both property and bank

  7. Beyond bad credit-struck by lightening twice

    Sheri257 replied to august_snow's topic in General Nursing

    Well ... I've been on both sides of this issue ... both creditor and debtor. In two cases I won judgements against people who owed me money. In one case I put a lien on the guy's bank account and the...

  8. Beyond bad credit-struck by lightening twice

    Sheri257 replied to august_snow's topic in General Nursing

    Why would that hurt your FICO score? I never noticed a dip in the score after I paid the bills

  9. Beyond bad credit-struck by lightening twice

    Sheri257 replied to august_snow's topic in General Nursing

    Ok, well, this clarifies your earlier statements. I can see how this would happen but, then, I've been pretty successful in disputing old times. Only once did an item come back but, I disputed it...

  10. Beyond bad credit-struck by lightening twice

    Sheri257 replied to august_snow's topic in General Nursing

    Well ... all I can say is that there is one hospital, which is the best hospital to work for in my particular area, which does routine credit checks as part of their employment applications. If you...

  11. Beyond bad credit-struck by lightening twice

    Sheri257 replied to august_snow's topic in General Nursing

    True ... but at what rates and fees? Usually you have to pay through the nose on those deals when you have bad credit. It's very expensive. One way or the other, you end up paying the debt ... really....

  12. Beyond bad credit-struck by lightening twice

    Sheri257 replied to august_snow's topic in General Nursing

    I agree with this. I've never had to file but my husband did before we were married. No matter how clean our credit is for years now, it still comes up all the time. I have to keep my credit separate...

  13. Beyond bad credit-struck by lightening twice

    Sheri257 replied to august_snow's topic in General Nursing

    Not sure where you get this info. Maybe people should call the credit bureaus to find out for sure but, that has not been my experience. I wouldn't let the bad debts stand either if you can pay them...

  14. Beyond bad credit-struck by lightening twice

    Sheri257 replied to august_snow's topic in General Nursing

    I wouldn't assume they won't take legal action. Some creditors won't, others will. A lot of it depends on the amounts owed. If the bill is a small amount they probably won't sue. If it's fairly large...

  15. Beyond bad credit-struck by lightening twice

    Sheri257 replied to august_snow's topic in General Nursing

    There's no such thing as being judgement proof. Even if you can't pay, the judgement stays on the books. And that often means ... if you own a house, for example, they can put a lien on it and collect...

  16. Beyond bad credit-struck by lightening twice

    Sheri257 replied to august_snow's topic in General Nursing

    Credit can sometimes, although certainly not always, affect your ability to get a job. About half the hospitals in my area check credit. It is becoming a trend with employers. Although even if they...

  17. Excelsior and California

    Sheri257 replied to pedinurse05's topic in Online Distance Learning

    I don't know if the public is aware of this or not. But, if it did become more of a public issue, I'm pretty sure the California Nurses Association would fight it, like they did the last time. And...

  18. Excelsior and California

    Sheri257 replied to pedinurse05's topic in Online Distance Learning

    I'm not trying to say that one clinical test is more brutal than the other. As you say, it largely depends on the instructor. Our class has been broken up in groups to test and, as it turns out,...

  19. Excelsior and California

    Sheri257 replied to pedinurse05's topic in Online Distance Learning

    On a side note ... Make no mistake ... you get beaten up plenty in traditional school as well. I'm ready to return a few blows at my instructors, actually, but then I probably wouldn't graduate. We...

  20. Excelsior and California

    Sheri257 replied to pedinurse05's topic in Online Distance Learning

    LPNtoRN: You completely misunderstood my post. I don't think anybody is intentionally "lying". But I do think there's a chance that the interpretation of phone calls and such may be biased by each...

  21. Excelsior and California

    Sheri257 replied to pedinurse05's topic in Online Distance Learning

    This is my point exactly. People who made the cutoff date ... and, therefore, have no problem getting licensed, almost always report that there are no exceptions to the policy when they have called...

  22. Excelsior and California

    Sheri257 replied to pedinurse05's topic in Online Distance Learning

    Who knows exactly what's actually being said when people call the board. While there could be problem with misinformation, it could also be a case of people hearing what they want to hear, versus...

  23. Excelsior and California

    Sheri257 replied to pedinurse05's topic in Online Distance Learning

    Well ... we've talked about this before. If you want to believe the word of one analyst then, that's your choice but, the board's posted policy on this issue is pretty clear. I don't know why they...

  24. Excelsior and California

    Sheri257 replied to pedinurse05's topic in Online Distance Learning

    If you're an experienced acute care LVN, you probably won't have any trouble getting hired. If you're fresh out of LVN school and don't have any experience, or you're an LTC LVN, or you're not an LVN...

  25. Northern California Nursing Salaries

    Sheri257 replied to sospaingirl's topic in California Nursing

    Kaiser typically does better than the ratio law requires ... four patients per RN instead of the five that the law requires. As far as LVN's, it would depend on the area ... some areas have LVN's,...