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 slightlyless than 1/4remainsI 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 promisething didn't work) I don't have$ XXX,XXX.00 to pay the awardI have a negative net worthI have very low debt other than my underwaterhomeI 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 cashleft over that I could makemonthly payments. Firm X's attorney knew I am living from pay check to pay check and have anegative networth. I made many offers to settle butFirm X's attorney said it wasn't enough andthe 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 FINRAinstituted rules forfailing to pay an award. Plain and simpleLEVERAGE 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 becauseCapital One sent his pass due credit card billto 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 thoughthe Firm's attorneyknew what my financial conditionwas after they saw documented financials in Discovery. I guess what my question is - will FINRA allowyou 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 timeimmediately if I left the firmUnfortunately things have not worked outexactly how I planned but should I be suspended for not being able to pay back the firm at one time.I didn'tshift my clients fund to my outsidepersonal bank or churn B shares or flipped client annuities annually or stole cash fromclients. 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 willaccepta "Bona Fide Ability to pay" defensein 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 protectionis NOT an option.