I will admit, searching for a job is not a favorite activity. In the few times in my life where I have had to pound the pavement for employment, I have been fortunate in that it never took long to get hired. I do worry that, as I grow older, I will face more challenges and competition in the workplace. For people living in a shaky economy, the odds may slim. For people who have experienced financial difficulties and consequent bankruptcy, there may more obstacles to face.
Once you have prepared the paperwork, appeared in court, and had your bankruptcy case approved, you may feel relieved that "the worst" is over and look forward to rebuilding your life. It doesn't happen, perhaps, without some trepidation as you wonder what you can do to not make the same mistakes. If you were fortunate to keep your car after going to court, you have the means to get to work, so you'll want to find a good job. Can you, however, find employment after bankruptcy?
It is important to note here that Federal law prohibits an employer from discriminating against employees who have filed for Chapter 7 or Chapter 13. The fact that you have filed cannot be the sole reason for an employer's decision to terminate you. Now, if you are seeking work, it is possible that a prospective employer may choose not to offer you a position. The court case Rea v. Federated Investors ruled on this, but it may also depend on where you live that determines your employability.
If you are seeking a position within a government agency, there may be issues regarding security clearance. If you are simply looking for something to pay the bills until you are financial strong enough to move forward, it may not be that difficult to find work. Past bankruptcy history is not always a scarlet letter - if you have the right skills and determination to work, you will find it.
That said, here are a few things you want to remember when you embark on your search:
1) Always go into an interview with a professional attitude. Groom yourself well, have extra copies of your resume on hand, and be ready to offer pertinent information when asked. Treat every job interview with importance.
2) Be honest! If the question of your financial history comes up, do not lie about it. If you are truthful and explain the circumstances of your bankruptcy, then demonstrate your willingness to rise above it, you present yourself as a trustworthy individual capable of doing a good job.
Bankruptcy is not the end, but a beginning. When you get a job to rebuild your life, you can do wonders.
Kathryn Lively is a freelance writer specializing in articles about Virginia bankruptcy services and Richmond bankruptcy services.
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