PLEASE, PLEASE....what I am looking for are solid opinions.........not smart azz replys. I really need help in getting my hands around something that I can't control and what I really believe is unfair and discriminatory.Here are the facts:Took the check for $ XXX,XXX.00Paid back most of the promissory note but slightly less than 1/4 remainsI didn't buy one piece of BLING, go swimming with the dolphins, by Momma a big azz diamond or even buy the Benz. I put every dime in the bank and used it to supplement my transition and used it through the recent down turn in the market; Thank god I did.Resigned Firm X to go to Firm Y (No upfront check)I am still in the industry; XX years of ZERO client complaints and or arbitrationsFirm X took me to arbitration and won. I didn't have the cash to hire an attorney so I did it pro se (and please don't tell me pro se was my 1st. mistake). Firm was awarded $ XXX,XXX.00 and my counter was denied (the he said she said promise thing didn't work) I don't have $ XXX,XXX.00 to pay the awardI have a negative net worth I have very low debt other than my underwater homeI have nothing to liqudate to pay the awardI have $ XX,XXX in my IRA (Below 20)I can't borrow the money from friends or relatives (they are in worse shape than I am)The banks will not loan me the cash unsecured (an I have flawless credit)After my basic bills are paid I have cash left over that I could make monthly payments. Firm X's attorney knew I am living from pay check to pay check and have a negative networth. I made many offers to settle but Firm X's attorney said it wasn't enough and the firm wanted to send a messageSo hear I am.....waiting for that letter from FINRA saying "PAY UP" or you are out. I know the post award process and rules. I completely understand why FINRA instituted rules for failing to pay an award. Plain and simple LEVERAGE and it was because so many advisors were just not paying / ignoring the awards to client claimants. I can completely understand and would accept that rule of suspension if it were investor related but I isn't. It is Industry related. Does a Doctor get his medical license suspended because he can't repay his student loans. Does a Dentist loose his license because he can't repay the loan for new office equipment. Does an attorney loose his license to practice law because Capital One sent his pass due credit card bill to collections. I can pay...but I can't pay it all at one time.Don't ask me why the Firm X's attorney wouldn't take what I offered even though the Firm's attorney knew what my financial condition was after they saw documented financials in Discovery. I guess what my question is - will FINRA allow you to pay the firm over time even if the firm will not accept time payments ? Why should I have my life absolutely destroyed and my career crushed because I couldn't pay the firm back all at one time ? I took the check and I agreed to pay the firm back all at one time immediately if I left the firmUnfortunately things have not worked out exactly how I planned but should I be suspended for not being able to pay back the firm at one time. I didn't shift my clients fund to my outside personal bank or churn B shares or flipped client annuities annually or stole cash from clients. I know life is not fair and I am a very realistic person but DAMN ! Am I missing something here ? Trust me when I tell you that I am by far one of those entitlement sluggs that believe I have been denied or cheated or someone owes me something..I am not. I just think that having my license suspended based on ability to pay is completely unfair and discriminatory. FINRA will accept a "Bona Fide Ability to pay" defense in an industry related case but I HAVE the ability to pay; just not all at one time. Please help....your opinions would be greatly appreciate. PS: Filing for protection is NOT an option.