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can you work at a bank after BK?

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  • can you work at a bank after BK?

    We discharged BK7 5 years ago. My credit score is still poor but there are no new defaults since that time. Some medical stuff went to collections in error that I haven't cleared up yet (insurance snafu). But overall I don't think it looks like we are living beyond our means or way in debt. We just have a mortgage and student loans and one small credit card balance.

    I have been unemployed for 2 years and just saw an opening at a bank for a job I would be a good fit for (my field is IT). I am worried tho that a bank wouldn't hire me to due to the BK history.

    Wondering if anyone else has an inside scoop...I thought there were certain fields you were permanently barred from after BK.

  • #2
    I don't have an answer to your question (sorry) but I am marking this one to see what others have to say. I was even trying to think up an analogy but came up with nothing because, quite frankly, it's not like filing BK is illegal. It's not like you stole something. It's not like you said you hate cops and now you're trying to join the force. It's not like you flunked out of school and now want to be a teacher. It's not like you have a horrible driving record and now want to drive a school bus. That being said, it doesn't seem right to me that if you have filed BK you should be barred from any jobs, period. Except maybe claiming to be a good financial planner (LOL). Best of luck to you and your job hunt!
    Filed Ch. 7 11/8/10: Survived 341 Meeting 12/13/10 Report of No Distribution!! 12/14/10Received UST Presumption of Abuse!! 12/15/10 UST states Dismissal is Inappropriate! DISHARGED!! 2/22/11

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    • #3
      i have seen a few theads about this situation....darn i searched and couldn't find a one!!!

      i have a "bit' of recall......about one or two of the situations and hopefully someone else will chime in with "newer" info...however, from what i recall it depends on the bank...some ask in a contract or application if you ever filed...and i also recall one person's wife whom was already working at the bank...and i didn't think we heard the "final" answer as to what happened then.

      but remember....5 years ago is a LONG time in the scheme of what is happening today......one person on the forum even got a "financial" job with a major company!!! but he explained the situation right off....and we was in the progess of filing..so hopefully you'll be fine!!!!

      best of luck!
      8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9

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      • #4
        Thanks...I probably won't even get called. But if I were to get an interview I'd hate to find out later I never had a chance due to the BK.

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        • #5
          Originally posted by wednesday View Post
          Thanks...I probably won't even get called. But if I were to get an interview I'd hate to find out later I never had a chance due to the BK.
          now......we NEED some positive thinking here...PLEASE!!!!

          i hope you get called AND get the job!!! and remember for EVERY no...you are closer to a YES...LOL!!!
          8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9

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          • #6
            Thanks! I appreciate the positive thoughts!

            I know I would be good at the job...I just feel like they probably have a million applicants. Hopefully my resume makes an impression.

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            • #7
              Originally posted by wednesday View Post
              Thanks! I appreciate the positive thoughts!

              I know I would be good at the job...I just feel like they probably have a million applicants. Hopefully my resume makes an impression.
              NO...it DID....your resume apparently got you the interview....now go in there and knock their socks off. and let us know how you make out!!
              8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9

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              • #8
                It really does depend on the company. I saw that CCJOE explained the situation right off, and once the offer was made that is what I did and now 3 weeks later no response, no answer to emails. Very sad

                Originally posted by tobee43 View Post
                i have seen a few theads about this situation....darn i searched and couldn't find a one!!!

                i have a "bit' of recall......about one or two of the situations and hopefully someone else will chime in with "newer" info...however, from what i recall it depends on the bank...some ask in a contract or application if you ever filed...and i also recall one person's wife whom was already working at the bank...and i didn't think we heard the "final" answer as to what happened then.

                but remember....5 years ago is a LONG time in the scheme of what is happening today......one person on the forum even got a "financial" job with a major company!!! but he explained the situation right off....and we was in the progess of filing..so hopefully you'll be fine!!!!

                best of luck!
                Chapter 7 filed 11/4/10 ---- 341 Meeting 12/1/10 ---- Discharge 1/31/2011.

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                • #9
                  Don't let a BK stop anyone from applying for a position. If a search is done in this forum, there are numerous postings on employment and BK issues to be found. The general rule of thumb is that if one has a BK or bad credit on their credit reports, know that that information can be a deterrant for anyone applying for a job in the financial fields (i.e., bank-related, retail, etc....anyplace where there could be access to cash, account information, charge account information, etc., etc.). That's just the way it is. What usually happens when a job position is open is that resumes are gathered, those who appear qualified for the job are gleaned out and interviews set. At the time of the interview a job application is filled out and the interview held. The prospective employee is advised a background searches/credit searches will be done (that is agreed to when one signs the job application and provides their SS#), references will be checked if they were requested and the employer will get back to the prospective employee. Also, sometimes on a job application, the question appears - "Have you EVER filed for bankruptcy." That must be answered honestly as that information will appear on any credit check run and can also appear on a background search as it is public information. If one wants the job badly and feels qualified for the job, it never hurts to bring up your BK at the interview and be honest about the situation (previous job lost and you could not recover, bad divorce, medical situation, etc.) and that the BK will not have any affect on your performance at a new job.

                  There are many marvelous past postings on here regarding all this - do a complete and thorough search for a ton of information.

                  Best of luck in getting the job.
                  _________________________________________
                  Filed 5 Year Chapter 13: April 2002
                  Early Buy-Out: April 2006
                  Discharge: August 2006

                  "A credit card is a snake in your pocket"

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                  • #10
                    Originally posted by Fallonedward View Post
                    It really does depend on the company. I saw that CCJOE explained the situation right off, and once the offer was made that is what I did and now 3 weeks later no response, no answer to emails. Very sad
                    i miss him!!!! he got the job, was right up front and as flamingo states...don't let it stop you!!

                    there might be something else going on...like the person in charge of getting in touch with you is out ill, or something came up.

                    i'll be keeping my fingers and toes crossed that you'll get good news soon!
                    8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9

                    Comment


                    • #11
                      I miss CCJOE as well.

                      I'm going to keep on going. I applied for 10 really great opportunity's today and hopeful something will come along


                      Originally posted by tobee43 View Post
                      i miss him!!!! he got the job, was right up front and as flamingo states...don't let it stop you!!

                      there might be something else going on...like the person in charge of getting in touch with you is out ill, or something came up.

                      i'll be keeping my fingers and toes crossed that you'll get good news soon!
                      Chapter 7 filed 11/4/10 ---- 341 Meeting 12/1/10 ---- Discharge 1/31/2011.

                      Comment


                      • #12
                        Originally posted by Fallonedward View Post
                        I miss CCJOE as well.

                        I'm going to keep on going. I applied for 10 really great opportunity's today and hopeful something will come along
                        i really feel so badly for you falloned.....something will come up, i just know it...remember for every NO, it brings you one step closer to a YES... it will come!
                        8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9

                        Comment


                        • #13
                          I'm just hoping the yes and job opportunity come before I lose what little I have left....that has been the hard part



                          Originally posted by tobee43 View Post
                          i really feel so badly for you falloned.....something will come up, i just know it...remember for every NO, it brings you one step closer to a YES... it will come!
                          Chapter 7 filed 11/4/10 ---- 341 Meeting 12/1/10 ---- Discharge 1/31/2011.

                          Comment


                          • #14
                            Originally posted by Fallonedward View Post
                            I'm just hoping the yes and job opportunity come before I lose what little I have left....that has been the hard part
                            some will...i just know it!! and hope it for you! i know you have been looking for sometime now and something will turn up!
                            8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9

                            Comment


                            • #15
                              I applied for 2 bank jobs to work in the credit card depts, and got hired for one. The one that did not hire me... did not even get a callback... was Chase, and I BK'd them. I am glad I got in with my other job, because we have a lot of Chase people who come to work for us, and the word is they treat their employees as bad as they treat their account holders! I've also heard every customer who calls in is usually raging furious. At my bank out of 55-60 calls a I probably escalate no more than 4 a day, on a good day none. I think working for Chase would set my nerves on edge.
                              Last edited by iswmle; 04-21-2011, 10:54 AM.
                              Filed No Asset Chp 7 BK: January 2010
                              Discharged: August 2010
                              A life lesson well learned.

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