Someone told me that Bankruptcy affects you for life...

[scammer]

I don't think there is any yes or no answer to that question. If you require a security clearance for the new job, then they will find out about it. But that doesn't necessarily mean you won't get the job.

My sister in law worked for Shearson Leahman at the world trade center (and luckily it was her day off that day)...she had to take a lie detector test and they asked her if she ever smoked pot. She answered yes. She still got the job.

Bankruptcy does not make you criminal. That is what they are looking for.

I also have a friend that is way high up in the Justice Dept/Immigration. They do a credit check on him every single year because they want to see if he's horribly in debt or living beyond his means.....they want to know if he'd be a target for bribes etc.

I think it depends on the company you apply to and the position. Honesty is the best policy.

Remember Bankruptcy is your legal right. It doesn't make you a criminal.

I was the Controller for the largest construction company in New York. I hired ALL of the accounting/finance staff. I wouldn't have bat an eyelash at a bankruptcy, but petty larceny or something like that -- forget about it.

I wish I could give you a more clear answer, but one thing I've learned in life, everything is negotiable and anything is possible -- and there will be some disappointments along the way.

nice post, my compliments

[fellowpoorman]

Of course it will affect your life, no matter what put us here, we hopefully will have another chance, and be smarter too.

[aa06a47]

Scammer and No It All,

Sure you all aren't "kissin cousins"?????

Most people feel bad that they can't or couldn't pay their creditors..................

NOT THE CASE WITH YOU TWO................

Your entirely TWO PROUD of what you say as "beating the system"..........

Hope it don't come back and bite you in the A.... in some shape, form, or fashion....

What goes around, comes around............... in one way or another....

Most people on this board didn't run up a large amount of debt with the intention to file BK. And why people are here is really not relevent, whether it was a hospital bill, a trip to vegas, or payed for a funeral, lost job, we all signed our names on credit that we could not pay back. We got something and now want to give back nothing.

I am not sure if Scammer and No It All did that with no intention of paying. They have to look themselves in the mirror, so I won't judge them. I think deep down, if you look at most of us, we are all at this point, if truley honest with our selves, trying to get the same thing. (this time Money for nothing).

Everybody on this board, deep down, just wants all debts to go away, pay as little as possible. Let's say, your a good chapter 13 debtor and make your first 12 payments on time and they come out and say, if you want, you can skip every other payment because of your good history. How many do you think would pay them every month instead of every other month because "they want to pay the creditors as much as possible". I know I wouldn't.

With that in mind, try and keep every nickle you can in this process.