I Hate Being Chapter 13 Bankruptcy

[$$only4ever]

It appears that filing bankruptcy is okay as long as you have been discharged. It is when you are in an active bankruptcy that gets their panties twisted. If I was discharged, then I would have probably been offered the job. No discharge, no job.

[JollyGG]

My husband got a new job in March of last year. He applied for a job and did well on the interview. Then we got a letter stating that a PRELIMINARY decision had been made not to hire him based on information in his consumer report.

He gave HR a call and talked to them about the bankruptcy. He told them that basically we had gotten in over out heads, we filed bankruptcy, we would be discharged soon (we were chapter 7) and that we paid all bills on time and in full now. They agreed to reconsider his application and he got the job. The job is at a credit card company.

Don't give up just yet.

[$$only4ever]

Thanks everyone for your responses Actually I feel better since I vented. With that being said, however, I still do not expect a call back and I do understand their reasoning, but it is hard not to take it personal when you are the applicant involved. But life is too short and like Forest Grump says, "That is all I have to say about that." lol

[Flamingo]

Employers today are more careful than ever before when they hire someone. The bankrupty on your credit report just raises a red flag to them that you have had financial difficulties so the company is more careful in whether or not they may want to choose another qualified applicant over you that has a clean record (credit and criminal). The employer does not have to hire you - they screen applicants. Banks or other lenders are extremely careful in who they hire because they want to avoid people in their departments who can embezzle or commit fraud by opening fake acounts, credit cards, etc. It happens all the time and costs the consumer and companies billions. Once you view the hiring process like that, you will realize that it's not a personal thing but a business thing. If you have a good reason for having to file (i.e., big job/monetary loss from which you could not recover, huge medical bills), you could mention that to HR. Many people have down times in life and need to recover and they would realize that. Also, your past resumes and letter of recommendation/references should be able to help you. They may also be checking those out.

Let us know your outcome and best of luck to you!

[CindyLou]

maybe she would have said said the same thing if you had told her your credit score was 850....maybe that's her canned answer. You should waiting until you get a final answer from them before you get upset...you never know.

Good luck!

[stljohn]

so i don;t know if it will help and i mean well but your personalizing this to an unhealthy degeree. IMO.

HR exists not to hire people but screen people out... any little negative makes their day easier. you may be jumping the gun give it a minute. if they do turn you down you got to understand they deal with a lot of labor laws so it doesn't pay for them to be "honest" about why. its how they work.

in the meantime you got this thing on your record that's a pain i know. i've had to talk to x more landlords to find a great house, x more credit unions to find a non-usurious rate. so it goes...

just makes life a little more challenging but its shouldn't keep you down.

good luck

[$$only4ever]

Sorry I just need to vent:

I have been waiting a long time for a job opening with a particular company. A position finally came up and it was a perfect fit! I applied online and they were really excited and so was I until.........

......you guessed it, they do a credit check. I decided to be honest with them so I advised the H/R fool on Friday, (Exact Words) " I am currently in an active Chapter 13 Bankruptcy and will not be discharged for 2 more years." I think that most people would understand that sentence, wouldn't you? She replied that she was pretty sure that bankruptcy was excluded so go ahead and complete the application on line.

On Monday, she calls and wants to know when the bankruptcy was discharged??!!??**++##. I again repeated the same statement that I said on Friday. She then informs me that my application was being sent upstairs for review............What she was really saying was, "Thanks, but no thanks."


I just wish that people would be honest. If it is their policy not to hire anyone in an active bankruptcy, fine, just be up front about it.She could have told me and not put me through the BS. What really makes me mad, is once I told her my "dirty little secret" then my qualifications meant nothing. I was just another scumbag, deadbeat who filed BK to get out of paying their bills.

Sorry for venting but I am so sick of being treated like dirt because I filed Bankruptcy. If I had been able to file a Chapter 7, then I could have been hired because I would have been discharged for 3 years. As far as I am concerned, when you get stuck filing a chapter 13, the punishment does not stop for 5 years. I hate being in a Chapter 13 Bankruptcy and the sad part is that I have 28 more months of this s**t before I am paroled.