Since the USA tour was just announced, I want to inform everyone on QZ why while I am thrilled that the band is coming here, why I can NOT go, and why I do not own collectibles, etc..since you all always ask.
Most of you know that I am 44 years old, my father died whwn I was 7 years old and I took care of, was the care taker and financial supporter my disabled widowed mother until my 30's when she passed away.
I never had any savings and was downsized from my job this past winter, my unemployment benefits ran out a while back, and I just filed 2 weeks ago, chapter 7 bankruptcy.
I rent ONE room in a slumy house, with no kitchen or laundry, eat all my food (whatever I can afford) out and do my laundry at a laundromat.
For the first time in my life, I did NOT pay and hd NO money for the November rent, I don't have the December rent, I have no money in the bank, I work temp jobs...
...and here's the lowdown about why I can't get a job.
I daily send out resumes, go on job interviews and apply in person putting in job applications....
......But....Every job I have applied for from waitress to corporate to journalist, nowadays, all jobs run criminal background checks on you..which I pass..
they all run drug checks on you..which I pass...
and...they all run Credit Checks...on you...which I keep FLUNKING,........
....even for the lowliest waitress or retail or burger flipping job. So I can't get myself out of the hole I keep going deeper in.
FYI....Because I am NOT disabled, and have NO children I do NOT qualify for any social services state or federal gov't. assistance, or assistance from ANY and ALL charities including the Jewish Family Services here (I'm Jewish) or any church, or Associated Catholic Charities.
If I don't pay rent soon, I will be evicted and living in my car.
All of my family is dead and when they were living, I SUPPORTED them, so there is no one to help me, even temporarily to help get me out of this fix.
My 3 closest friends all are having their own financial troubles and moved in with family so they cannot help me.
So...I may or may not be on this board too much longer as my car payment is due and I don't have the money for that.
I have an everning telemarketing job that is temporary and that runs out on 12/6/05 and just barely buys me food and gas.
I am very scared and do NOT know what to do.
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[QUOTE][QUOTENAME]<b><font color = "crimson">ThomasQuinn wrote: [/QUOTENAME]How about if all us QZ-ers chip in and buy you a ticket? Or the rent or something?[/QUOTE]
That is very sweet and thoughtful of you to even think of that.
Right now, all I want is a safe roof ( I HATE the slum I live in but it is all I can afford) over my head,...
....and to keep my car (I do NOT live on public transportation and my car is the only way I can get to food, the laundramat, job interviews, hopefully even get a full time job, get to the library to send emailed resumes, do some writing jobs)
BTW, this board is one of the few last enjoyments I have and has kept me sane and from thinking about my problems.
The local hospital down the road had a FREE blood pressure screening they held HERE at the library for people with no health insurance and I have always had low blood pressure.
Well, now I have been told I have borderline high blood pressure. Surely from stress and not eating any healthy proper food for a year now.
I also have GAINED 50 pound in one year because the only thing I eat is bread and bananas that I keep in my car and the occasional $1 McDonalds double cheeseburger (which might as well be a day's worth of calories, carbs, and cholestoral, a death sandwich). I never ate fast food in my life until this year.
That is very sweet and thoughtful of you to even think of that.
Right now, all I want is a safe roof ( I HATE the slum I live in but it is all I can afford) over my head,...
....and to keep my car (I do NOT live on public transportation and my car is the only way I can get to food, the laundramat, job interviews, hopefully even get a full time job, get to the library to send emailed resumes, do some writing jobs)
BTW, this board is one of the few last enjoyments I have and has kept me sane and from thinking about my problems.
The local hospital down the road had a FREE blood pressure screening they held HERE at the library for people with no health insurance and I have always had low blood pressure.
Well, now I have been told I have borderline high blood pressure. Surely from stress and not eating any healthy proper food for a year now.
I also have GAINED 50 pound in one year because the only thing I eat is bread and bananas that I keep in my car and the occasional $1 McDonalds double cheeseburger (which might as well be a day's worth of calories, carbs, and cholestoral, a death sandwich). I never ate fast food in my life until this year.
I feel very sorry to hear about you situation Arlene.
I don't know where you're living right now, but maybe there are low job opportunities where you live. Do you think that maybe you'll get a better chance somewhere else. I know it's always a risk to leave everything behind and moving somewhere else, but sometimes the effort pays off.
I don't know where you're living right now, but maybe there are low job opportunities where you live. Do you think that maybe you'll get a better chance somewhere else. I know it's always a risk to leave everything behind and moving somewhere else, but sometimes the effort pays off.
[QUOTE][QUOTENAME]Mr.Jingles wrote: [/QUOTENAME]I feel very sorry to hear about you situation Arlene.
I don't know where you're living right now, but maybe there are low job opportunities where you live. Do you think that maybe you'll get a better chance somewhere else. I know it's always a risk to leave everything behind and moving somewhere else, but sometimes the effort pays off.[/QUOTE]
I could care less about Maryland and would be HAPPY to leave for a decent job.
My resumes are on Monster.com as well as the ones I send, and I have NO problem relocating ANYWHERE, and have already been applying for jobs nationwide...and even in...the UK (the UK ones for journalism).
Even though I have TWO college degrees, I have been applying in person for ccok, waitress, dishwasher, and maid jobs..that you see hispanics and illegal immigrants working..so I figured they would not care to run a Credit Check on me...but...they ALL run Credit Checks on me.
.....Jeez, when did this start becoming a regular practice in the job world??????!!!!!
I NEVER had a credit check run on me in my entire life for ANY job, corporate or working class.
None of the jobs I have applied for are working around cash handling. It's not like I'm going to steal the profits just because I filed Bankruptcy.
Anyways, EVERY time you hear of someone embezzling tons of money, it's some RICH corporate executive at places lieke Enron or Worldcom and they are RICH already and they still steal/embezzle money.
My attorney, did my bankruptcy case PRO BONO since I had no funds to pay him. I went through Baltimore, Maryland's Volunteer Legal Services who made this a Pro Bono case but I still had to pay the COURT costs of $209, my last savings.
I don't know where you're living right now, but maybe there are low job opportunities where you live. Do you think that maybe you'll get a better chance somewhere else. I know it's always a risk to leave everything behind and moving somewhere else, but sometimes the effort pays off.[/QUOTE]
I could care less about Maryland and would be HAPPY to leave for a decent job.
My resumes are on Monster.com as well as the ones I send, and I have NO problem relocating ANYWHERE, and have already been applying for jobs nationwide...and even in...the UK (the UK ones for journalism).
Even though I have TWO college degrees, I have been applying in person for ccok, waitress, dishwasher, and maid jobs..that you see hispanics and illegal immigrants working..so I figured they would not care to run a Credit Check on me...but...they ALL run Credit Checks on me.
.....Jeez, when did this start becoming a regular practice in the job world??????!!!!!
I NEVER had a credit check run on me in my entire life for ANY job, corporate or working class.
None of the jobs I have applied for are working around cash handling. It's not like I'm going to steal the profits just because I filed Bankruptcy.
Anyways, EVERY time you hear of someone embezzling tons of money, it's some RICH corporate executive at places lieke Enron or Worldcom and they are RICH already and they still steal/embezzle money.
My attorney, did my bankruptcy case PRO BONO since I had no funds to pay him. I went through Baltimore, Maryland's Volunteer Legal Services who made this a Pro Bono case but I still had to pay the COURT costs of $209, my last savings.
Would it be possible for you to get a job at the library you frequent?
My sympathies regardless - if you ever need anything, the people at QZ are more than willing to help out, I'm sure.
My sympathies regardless - if you ever need anything, the people at QZ are more than willing to help out, I'm sure.
Damn. Sorry to hear about the situation that you are in. Hope you manage to find a job soon.
Arlene, it seems like what's stopping from getting better opportunities is your credit score.
Have you ever tried talking to a social worker about this?
Have you ever tried talking to a social worker about this?
I would give you some money if you want?
I hate seeing people in this kind of situtions.
I'm so sorry to hear this.
I hate seeing people in this kind of situtions.
I'm so sorry to hear this.
I didn't think a fast food restaurant would require a credit check. Afterall they hire teenagers, who obviously would not have good credit.
[QUOTE][QUOTENAME]Mr.Jingles wrote: [/QUOTENAME]Arlene, it seems like what's stopping from getting better opportunities is your credit score.
Have you ever tried talking to a social worker about this?[/QUOTE]
YES!!!!!! and Consumer Credit Counseling.
I only JUST filed Bankruptcy, which due to the crappy changes in the law that our idiot President Bush made go into effect 10/17/2005, It stays on your credit report for 10 years...will NOT come off..
....it is ILLEGAL, when you see those so called agencies that claim that they can ''improve'' your score or get you a home mortgage (through illegal flipping which gets YOU in trouble and you still don't get your home or they sell you a home that is illegal to buy because it's dangerous and didn't pass hoem inspection due to structural damage, lead paint..that's what flipping is).
Even things like BABYSITTING ask for Credit Checks now. Unreal.
Plus remember like I said I just filed 2 actually 3 weeks ago. I just went to my meeting with the BK Trustee Court Nov 10, and even THEN...I have to wait to see if it clears, and if that happens, it does not clear until approx. the end of February 2006.
Have you ever tried talking to a social worker about this?[/QUOTE]
YES!!!!!! and Consumer Credit Counseling.
I only JUST filed Bankruptcy, which due to the crappy changes in the law that our idiot President Bush made go into effect 10/17/2005, It stays on your credit report for 10 years...will NOT come off..
....it is ILLEGAL, when you see those so called agencies that claim that they can ''improve'' your score or get you a home mortgage (through illegal flipping which gets YOU in trouble and you still don't get your home or they sell you a home that is illegal to buy because it's dangerous and didn't pass hoem inspection due to structural damage, lead paint..that's what flipping is).
Even things like BABYSITTING ask for Credit Checks now. Unreal.
Plus remember like I said I just filed 2 actually 3 weeks ago. I just went to my meeting with the BK Trustee Court Nov 10, and even THEN...I have to wait to see if it clears, and if that happens, it does not clear until approx. the end of February 2006.
Sounds like a catch 22. You can't improve your credit score without a job, and you can't get a job without a decent credit score. Don't quite get that. I've never had a credit check run on me for a job...seems weird...:-S
[QUOTE][QUOTENAME]PieterMC wrote: [/QUOTENAME]I didn't think a fast food restaurant would require a credit check. Afterall they hire teenagers, who obviously would not have good credit.[/QUOTE]
Well McDonals and Burger King asked for a Credit Check.
Like I said, I don't understand what the deal is because I have intentionally applied for dishwashing, cook, busgirl fast food, maid jobs that I see hispanics and Illegal immigrants working in, and I KNOW they have NO credit, in fact NO Social Security Number, because they are illegal, yet THEY get hired.
But EVERY job I go to asks for my social security number and makes me sign a 2-3 page Credit Check agreement.
Well McDonals and Burger King asked for a Credit Check.
Like I said, I don't understand what the deal is because I have intentionally applied for dishwashing, cook, busgirl fast food, maid jobs that I see hispanics and Illegal immigrants working in, and I KNOW they have NO credit, in fact NO Social Security Number, because they are illegal, yet THEY get hired.
But EVERY job I go to asks for my social security number and makes me sign a 2-3 page Credit Check agreement.
That amazes me that you need to pass a credit check for fast food place. That just seems insane if you ask me.
I wonder if this is just something done on a state by state basis?
[QUOTE][QUOTENAME]Erin wrote: [/QUOTENAME]Sounds like a catch 22. You can't improve your credit score without a job, and you can't get a job without a decent credit score. Don't quite get that. I've never had a credit check run on me for a job...seems weird...:-S[/QUOTE]
BINGO..Excatly... Catch 22...
....which I have discussed IN DETAIL with my Pro Bono Attorney and with the Trustee at The Bankruptcy meeting of Creditors Hearing and they said you can thank President Bush for that with the NEW laws regarding bankruptcy and laos regarding employment ...the Credit Check requirements..and...
...(Bush will NOT raise the minimum wage to a livable wage either and keeps vetoing Cogress's request for a raise. The Minimum Wage has not been increased in like 8 years!)
BINGO..Excatly... Catch 22...
....which I have discussed IN DETAIL with my Pro Bono Attorney and with the Trustee at The Bankruptcy meeting of Creditors Hearing and they said you can thank President Bush for that with the NEW laws regarding bankruptcy and laos regarding employment ...the Credit Check requirements..and...
...(Bush will NOT raise the minimum wage to a livable wage either and keeps vetoing Cogress's request for a raise. The Minimum Wage has not been increased in like 8 years!)