Most people who file for bankruptcy are concerned that people will find out about it. An area of particular concern is in regard to future employment. If a future employer runs a background check, will they discover a bankruptcy filing?
The answer to that depends on how in-depth the background check is. If the prospective employer only runs a background check on criminal records, they will not discover a bankruptcy filing. On the other hand, if the prospective employer runs a thorough background check, that includes pulling a credit report, then the employer will discover a bankruptcy filing.
While many employers conduct thorough background checks, not all employers will necessarily take a bankruptcy filing into considering when making a hiring decision. When making hiring decisions, the government is precluded from considering a bankruptcy filing. However, this anti-discrimination rule does not apply to private employers.
Jobs Requiring Security Clearance
Jobs that require security clearances may be affected by filing bankruptcy. An employer reviewing you for security clearance may be alerted to your bankruptcy. Also, in some cases, you may have a duty to disclose a bankruptcy filing.
It is unlikely that a bankruptcy filing will put your security clearance at risk. In some cases, a person may choose to file bankruptcy in an effort to protect their security clearance because. High debt loads are frowned upon. On the other hand, filing for bankruptcy may be viewed as a responsible step in taking appropriate measures to deal with debt problems.
Getting Hired After Bankruptcy
As noted above, when making hiring decisions, the government is precluded from considering a bankruptcy filing, but private employers are not. Jobs in certain industries are of particular concern for people who have filed for bankruptcy. For example, jobs requiring the employee to handle money or finances, such as bookkeepers, accountants, and payroll personnel, may be difficult to get if the employer discovers a bankruptcy in your background check.
Our advice is simple: If a potential employer asks you for permission to run a credit check, consider telling them about your bankruptcy. This gives you the opportunity to explain that you had a serious debt problem and that you pro-actively handled it. Plus, the employer may appreciate your candor.
If you have further questions about background checks and bankruptcy, give us a call at (833) 522-1069.
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