Auto Insurance Agent and Filing BK?

[FL1982]

I live in Florida.

I was a teacher for 2 years, ended up losing my job due to seniority. My husband doesn't make much due to paying child support from a previous relationship. I've been out of work for 1 year now. I'm currently 7 months pregnant, but I just got a job with an Auto insurance company to be a Claims Rep. I know I will be taking licensing classes for this, but will only handle claims in the state of Florida.

Over the last year we've become far behind on credit card payments and my husband's motorcycle (his primary transportation). I get collections calls daily and I would estimate we are about $25,000 in debt (not including $50,000 in student loans).

It's to the point where I don't see us being able to "dig" our way our of this hole - I pay $550 a month on student loans as well (which I know won't be discharged, but if everything else is - then it will help)

My questions are:
1. Will I be able to be licensed as a Claims Rep in Florida if we file for BK?

2. Are you allowed to keep a vehicle you are still making payments on after filing for BK? (never missed a payment or had a late payment on my car)

3. I've already passed the employment credit/background check - can they fire me if I file for BK?


Thanks for your help!

[killinstinct]

#1: probably not. Check with your state dept of licensing to be sure if you're really worried. You can always call and ask. Not like they know (or care) who you are.

#2: Yes. The bank just wants $$$ not your car. They will not repo if u keep paying. May ask you to re-affirm. Talk to a local lawyer about this. Consults are free. Not a big deal either way.

#3: No. Federal law violation.

Good luck!