I need to write an explanation on why I got into debt to my potential employer. any help?

Question

4 my potential employer i hv paid off a judge of $3800 - bn in contact with them since my 1st interview bk in oct-07 -- attended a wk of training -- talked to a credit counselor & set up a repayment plan -- now dec 21st I am being told now my credit is an issue even though I had several neg reports disputed and taken off...now i need to write a strong explanation on 'Y' i got into the past situation bad debt!!
i just left my last employer of 13yrs to care for my elderly mother now i am ready to get back into the workforce and i am stuck. I have proven my character to the potential employer by paying off the judgement-paying off some other small accounts -- attending training --passing my state license exam already--attending weekly classes. now after nearly three months with this employer they have an issue on my credit in which i am trying my best to clear up, help.

Answer 1

What you just wrote here would work for me if I were hiring someone. Be honest that's all.

P.S. You might mention your last employer didn't pay enough!!!

Answer 2

I would have a conversation with the supervisor and first reconfirm that they still have interest in hiring and these are not just delay tactics. Get a clear understanding of what and why are they consistently are asking for more validation. Once that is clear you can frame the response as:

Show understanding of employers concern
explain (and if possible provide proof) the process which led you into this bad credit situation
explain if the situation has changed significantly - eg how you mother is being taken care of now and your commitment
show that you have a financial plan at work to eliminate debt and how this job could help

If the employer after this still insist on more proof I would start looking for another job.

Answer 3

My first thought is "It's none of their business" it really isn't. What is this job CIA? or first mate for the President of USA? I can see you having to explain it if you were applying for a loan for a mortgage then YES I can understand that.. But do you really want to work for this company that is putting you thru this... They can kiss your butt! You don't need that abuse. You quit to care for your sick mother which shows a very loving and loyal person and you did it by being selfless and that is a great judge of character.. Something you can stand in front of God on judgement day and he will give you pat on the back so heck with that job.. Look elsewhere.. They are not the only employer out there. Instead of suffering with these bills go to google.com and type in legalhelpers... You are struggling to pay these bills and not getting any brownie points for it so just view the website and think about it.

Answer 4

It would take more for me than what you wrote. Leaving a job to take care of your mother when you had debt would need more explanation. Did she have a sudden problem? Is she still having a problem that might make you leave your new job? Why did you get into debt not just why you quit paying your bills. Why after 13 years on a job were you not only in debt but not enough savings to get through a unemployed period. Why won't this ever happen to you again?

Answer 5

Your mother comes first. If your employer can not see that to hell with them. That is the problem with this country, the lack of family values is appalling! I would go to the president or the highest person in the company you can see, look them in the eye, and tell the person that taking care of your mother first is the most important judge of character they need. If they can't see that, to hell with them. You don't want to work for these pigs anyway.

Answer 6

Just answer it very factually and show that you can not only pay off your debts but express yourself well.

Answer 7

I wouldn't provide the letter. They don't need it because it's none of their business.

If you have already been hired, then that is all the explanation that they need.