Announcement

Collapse

Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

Welcome to the Bankruptcy Forum. Bankruptcy (BK) Forum is known as BKForum.com and will be referred to as BKF hereinafter. In order to ensure a long term success of our vibrant community, we have established certain rules and guidelines to which everyone must adhere to. Please take your time to carefully read our rules, before you start to participate in the community.

Things you agree to do:
BKFORUM.com (BKF) users agree to use the search function before starting a new thread. This prevents duplicate discussions and allows for better organized topics.

All BKF users agree to read the sticky posts which may be available at the top of a forum page. These Sticky posts often contain valuable information. They may also outline more rules and guidelines specific for that particular forum, stickies are put in place by that forums moderator(s) or admin(s).

Things you agree not to do:

All BKF users agree not to call people names or write a post simply to make a personal attack, or get a negative reaction; this behavior is not allowed on our forum. The use of derogatory language aimed at anyone will be severely dealt with. There is no need to agree with each other, or to even like each other. However, by signing onto BKForum.com you agree to treat each member and guest with the respect they deserve. No threats or personal attacks will be allowed.

All BKF users agree not to discuss, engage, or encourage any behavior or activity which violates the law. Discussion of drugs, violence, murder, theft, vandalism, fraud or any other issue which could be used to help individuals break the law is strictly forbidden.

All BKF users agree not to "bump" old threads, unless there is a specific benefit to the community by doing so. But in most cases, please don't post in very old threads, instead start new threads.

All BKF users agree not to attempt/use another members account. It is against BKF rules to use any account other than your own. Impersonating another member will result in an immediate ban. It is also against the rules to open more than one account in your own name without permission from a moderator or administrator. If you have been banned for any reason, it is against the rules to open another account. If you were banned temporarily and you are caught using another account you will be banned permanently. Choosing a moniker which is similar in either sound or spelling as a moderator or administrator is strictly forbidden.

All BKF users agree not to private message any moderator, admin, or other member with questions related to their personal circumstances (Questions about the forum or issues with the forum are ok). This forum only works when members share their experience and insights with everyone.

Things you agree not to post:
All BKF users agree not to post any derogatory/racist/or sexist remarks. This includes attachments, links and all information contained within posts, signatures, and avatars, failure to comply with this rule will result in a permanent ban.

All BKF users agree not to post any copyrighted or trademarked information without the express written permission of the owner(s) / proper citation of source.

All BKF users agree not to post any real names, addresses, telephone numbers, email addresses, social security numbers, or any other personal details (their own or other people's).

All BKF users agree not to post links, pictures, attachments, videos, or the like of pornographic content, objectionable material or extreme violence, whether cartoon or real.

All BKF users agree not to use BKF for advertising purposes without a written contract between yourself/company/agent and the administration of BKF. Blatant advertising will result in a ban.

All BKF users agree not to spam the forums. Spam includes but is not limited to posting erroneous, non-relevant-useless, off-topic, or meaningless posts. Spam may also include posts which contain no text, or large areas of blank space between lines. Simply posting emoticons without text is considered spam. BKF is the largest bankruptcy message board and all the content is intended to help other users. Please help us improve the quality of our forum by making sure that your posts are well-worded, spell checked, grammatically correct and syntaxed.

Regarding actions of moderators and administrators:

The forum is no place to air out your opinion or be judgmental of our staff and its capabilities.

All BKF users agree not to abuse or mistreat moderators or administrators. It is against BKF rules to post any information regarding bans or any other action taken by a member of the moderating or administrative team. If you wish to discuss bans or warnings please do so via PM. To place a complaint against a moderator, send a PM to a super moderator. All Moderators are equal, any decision made by a moderator must be adhered to. If a moderator tells you something you do not like, do not go to another moderator looking for a different answer. If you are caught doing this you will be banned. The moderators work as a team and respect the decisions made by their peers and will help enforce them unless an administrator tells them differently.
If you have an issue with how the forum is run, then notify one of our administrator and we will look into the situation. We have in the past and still do appreciate any input that you offer this forum. But critical input and/or judgmental postings towards the staff will result in you getting banned.


Should you find a thread offensive or out of line, then notify a Mod in a PM so they can evaluate the situation and do the action deemed necessary.

All moderators do have active "other" lives outside of the forum and help moderate this forum in their spare time throughout the days and weeks.

If you have a problem with a member or Mod follow the proper channels of reporting it.

BKF reserves the right to delete any posts which contain anti-BKF comments or discussion. Any bashing of moderators or administrators, or any of their discussion or actions will also be deleted, and the responsible posting party(s) will be banned. Any public anti-BKF advertising, communication, or posts on another forum will result in permanent bans as well.

All warnings and bans are decided by individual moderators and administrators. Warnings are preferable to bans however, for serious offenses and repeat abusers bans will go into effect. The length of the bans can vary from several hours to permanent.

All messages posted or sent including through PM are the property of BKforum.com.

All BKF users agree not to advertiser on the forum (Niether by posting, private messaging or using your signature). If you are a company/attorney/legal adviser wishing to advertise on the site or sell a product, you must contact the head administrator and inquire about our advertising packages.

All bankruptcy related opinions expressed on BKForum.com are those of their authors and not necessarily of BKF, its staff or representatives.

You agree not to copy any material/post/content from BKF without written permission from our head administrator .

By posting on this forum you agree to these terms and conditions, including any punishment deemed appropriate by moderators or administrators in the event of an offense.

Administrators/Moderators can change these rules at any time without prior notice.
See more
See less

Planning to file, but really concerned about the future...

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • Planning to file, but really concerned about the future...

    Hi, I'm new to all this and my husband and I are planning to file in a couple of months. The biggest concern I have about the whole process is how it will affect future employment opportunities for me.

    I got really worried when I visited Dave Ramsey's site and he pointed out that bankruptcy stays with you FOREVER since most employers ask you directly on the application if you have ever filed. I came here and was somewhat relieved that most people take him with a grain of salt, but I have seen this on employment applications.

    I was wondering if there was anyone here that is 10 years beyond their BK and have you experienced any problems with getting a job after that point?

    Thanks.
    Filed Chapter 7 Oct. 2010
    Discharged Jan. 21, 2011

  • #2
    In all of the jobs I have applied to throughout the years I never once had to answer a question about bankruptcy. From what I know, BK can affect your ability to get a job in the financial sector, if you will handle money or if you need a high security clearance. However, I have read on this forum that people were still able to get these types of jobs. Hope this helps.
    Filed Chapter 7 on July 30, 2010
    341 scheduled for August 26, 2010 - Done! - Report of No Distribution
    Discharged!!! - November 15, 2010

    Comment


    • #3
      Thank you for asking this! I was just going to ask the same thing.
      It's good to know that, after my husband graduates college, he'll still be able to get a good job.

      Comment


      • #4
        I filed in 98' and got an accounting job within the first 2 years. BK was a lot less appealing and done back then. You will be fine I think.
        Filed Chapter 7 October 5, 2010 -341 held Nov. 8, 2010- Report of No Distribution Nov. 12th, 2010- Discharged 1-10-2011 Closed 1-28-2011

        Comment


        • #5
          I was able to land a job and I haven't even been discharged yet, so it is more than possible to get a job after a bk.
          Filed Chapter 7 on July 30, 2010
          341 scheduled for August 26, 2010 - Done! - Report of No Distribution
          Discharged!!! - November 15, 2010

          Comment


          • #6
            Thanks for your responses kartoons19. Another question for everyone. How did the subject of bankruptcy come up? Did you volunteer the information, or did it come up in a background check?
            Filed Chapter 7 Oct. 2010
            Discharged Jan. 21, 2011

            Comment


            • #7
              You have to also remember that Dave Ramsey is highly against BK, even though he once filed. I've never seen an application, or been in an interview asking about filing. I've seen, and been asked, for criminal background checks. I have seen for medical offices, for example, where they ask about civil suits, but not BK. I wouldn't worry... a bank teller who is a client of mine (I'm a hair colorist) filed a few years ago, and she was able to keep her job, even though she informed them that she filed...though I think it is illegal to fire someone for it.
              Filed 09/2010...341 10/2010...Discharged 12/2010!

              Comment


              • #8
                Originally posted by rkg2004 View Post
                Thanks for your responses kartoons19. Another question for everyone. How did the subject of bankruptcy come up? Did you volunteer the information, or did it come up in a background check?
                After I got a verbal offer, I called HR and told them that given the economy, I have run into credit problems for the first time in my life. She said they don't check credit and agreed these are tough times. I never mentioned the BK. I am getting a copy of my background check because I'm curious to see if that alone will refer to the bk. Hope this helps.
                Filed Chapter 7 on July 30, 2010
                341 scheduled for August 26, 2010 - Done! - Report of No Distribution
                Discharged!!! - November 15, 2010

                Comment


                • #9
                  Yes, please let me know how it goes. I would also be curious to know what is on the background check. Good luck getting that job!
                  Filed Chapter 7 Oct. 2010
                  Discharged Jan. 21, 2011

                  Comment


                  • #10
                    Well, one thing is for certain. If someone is in a position to declare bankruptcy, then it is likely that what is on your credit report could prevent you from getting a job that requires a security clearance or a job in the financial sector. Even a public trust clearance takes your credit into account. From what I know, the common practice of trying to tread water while making late payments to creditors or not paying at all for awhile will definitely be noticed by a security background investigator during a background interview. During such an interview, a background investigator may even grow to have sympathy for someone on a personal level after hearing about hardships, however he or she obviously has a duty to collect and verify information on an official level. An adjudicator then comes into the mix and decides if you get the clearance depending partially on the state of your debts and financial affairs.

                    I have seen situations where federal employees actually declare bankruptcy to keep their jobs. That sounds wild, but it is your legal right to discharge your debts through bankruptcy and is viewed as a possible solution to debt by those in authority. Of course, there is no guaranteed outcome but it sure happened a lot recently where I worked.

                    I have read other posts on other forums where people ask about federal employment and bankruptcy. I am sure it depends on the situation, but one can easily assume that federal job applicants and current federal employees would not be employable based on review of their credit reports; bankruptcy may actually make you more employable. I am not speaking too much for jobs in the financial sector – that’s not my line of work. I imagine that they look harder at finances than anyone else judging from what I see as a consumer. So, bankruptcy is a decision for each person to make; in my case, I had to take into account the fact that I would difficulty passing a background due to my credit. Once I accepted that, I now have nowhere else to look but forward. I don’t know if employers, fed or not, consider the amount of time and state of your affairs since bankruptcy, but I have seen fed employees declare just before background investigations were scheduled. The word was as long as debts were discharged before the adjudication of the clearance, they were in the clear. Maybe we can assume then that if people are sometimes allowed to stay who recently cleared up there credit through bankruptcy then they will also view an job applicant’s recent discharge as a just as good of a solution to debt too. I’m hoping so..

                    Comment


                    • #11
                      Originally posted by rkg2004 View Post
                      Yes, please let me know how it goes. I would also be curious to know what is on the background check. Good luck getting that job!
                      I never received a copy of the background check. In this company HR doesn't seem to be on top of things, but that is another topic. The end result is I don't know if a background or criminal check, but not a credit check will still show a BK. I would think it does since it is public record, but I'm not certain. I would love to know for sure.
                      Filed Chapter 7 on July 30, 2010
                      341 scheduled for August 26, 2010 - Done! - Report of No Distribution
                      Discharged!!! - November 15, 2010

                      Comment


                      • #12
                        I received a copy of my background, criminal, and employment credit report. I'll do a separate post about the contents lter this morning, but suffice to say I was offered a job not only in the financial sector, but handling securities. My employer placed more relevance on my pre-bk history (no lates, charge-offs, etc leading up to bk), current level of debt, and skills than on the bk event itself.
                        Stopped paying: 08/10, Filed CH7: 08/27/10 , 341 & No Asset Report: 10/6/10, Last day to object: 12/06/10, Discharged: 12/07/10, Closed: 12/08/10
                        AHEM.....NOT AN ATTORNEY, NOT ADVICE, ETC, ETC

                        Comment


                        • #13
                          My apologies to all here, I totally spaced and forgot to follow through on my promise of posting the contents of an employment background.criminal and credit check. Will do so pronto tonight or tomorrow morning. Thank you
                          Stopped paying: 08/10, Filed CH7: 08/27/10 , 341 & No Asset Report: 10/6/10, Last day to object: 12/06/10, Discharged: 12/07/10, Closed: 12/08/10
                          AHEM.....NOT AN ATTORNEY, NOT ADVICE, ETC, ETC

                          Comment


                          • #14
                            Thanks Joe. I would appreciate hearing what the checks include, so I look forward to your post.
                            Filed Chapter 7 on July 30, 2010
                            341 scheduled for August 26, 2010 - Done! - Report of No Distribution
                            Discharged!!! - November 15, 2010

                            Comment


                            • #15
                              Hi, thanks for all the info. I guess I should clarify that I wouldn't be looking for a federal job or in the financial sector. I'm in the beginning stages of a career in clinical research in the pharmaceutical field. The only way that bk would directly impact my job is that I couldn't get an Amex for travel. There's a lot of people out of work even in this field so they can really pick and choose right now, which is why I'm kind of worried. But I'm accepting it more everyday, and our credit counselor said we should just deal with it directly in an interview, and not apologize to anyone. I liked that, I think it's good advice.
                              Filed Chapter 7 Oct. 2010
                              Discharged Jan. 21, 2011

                              Comment

                              Unconfigured Ad Widget

                              Collapse
                              Working...
                              X