been a member on this site since filing in 2010 and have not been back very often since my case closed. I received a lot of good info that helped me during that time and always thought if I could provide info to help others then I would do that and this is one area that I can provide some direct experience. I browsed around today a bit and am pleased to see some of the same guys/gals that were here when I first signed up are still providing advice and information to the newbies. thank you for continuing to help others.
here is some background information on myself which might be helpful in comparing your situation to mine. I filed for a Chap 7 non-consumer, no asset, and it was discharged without any drama. I perform work for the government which requires a Top Secret clearance. I have had TS clearances for several years before filing (SCI/SBI) and my last clearance investigation was completed just before I filed. although I have a history of clearances after reading some posts on this site and others I expected that I would not be given a clearance when my next investigation would be due and that would be the end my job. I filled out my security application questionnaire and completed the personal interview. after the investigator finished going through my application I did asked if the BK would affect my clearance and he sort of shrugged his shoulders and said "no, you listed everything so I don't see a problem". huge relief. so baring any unforeseen issues my clearance should be renewed.
on the subject of BK what I think might help anyone applying for a TS is think of it from the governments point of view - they want to make sure you are not in a situation where you could be bribed nor can you be blackmailed. I made it clear in my application that I encountered a financial problem that was out of my control and after carful evaluation I took a responsible approach and addressed it using legal means, and that by discharging my debts no one can later come after me for some dollar amount. I also pointed out that BK is public information and therefore I cannot be blackmailed for information that is public. I did mention that although I don't explicitly tell my co-workers and friends that I filed for BK, I also don't hide it should someone ask me about it. the bottom line is when going through this process show you are a responsible person and be honest when filling out your application and you should be fine.
hopefully this information will assist future and post filers going through a similar situation.
here is some background information on myself which might be helpful in comparing your situation to mine. I filed for a Chap 7 non-consumer, no asset, and it was discharged without any drama. I perform work for the government which requires a Top Secret clearance. I have had TS clearances for several years before filing (SCI/SBI) and my last clearance investigation was completed just before I filed. although I have a history of clearances after reading some posts on this site and others I expected that I would not be given a clearance when my next investigation would be due and that would be the end my job. I filled out my security application questionnaire and completed the personal interview. after the investigator finished going through my application I did asked if the BK would affect my clearance and he sort of shrugged his shoulders and said "no, you listed everything so I don't see a problem". huge relief. so baring any unforeseen issues my clearance should be renewed.
on the subject of BK what I think might help anyone applying for a TS is think of it from the governments point of view - they want to make sure you are not in a situation where you could be bribed nor can you be blackmailed. I made it clear in my application that I encountered a financial problem that was out of my control and after carful evaluation I took a responsible approach and addressed it using legal means, and that by discharging my debts no one can later come after me for some dollar amount. I also pointed out that BK is public information and therefore I cannot be blackmailed for information that is public. I did mention that although I don't explicitly tell my co-workers and friends that I filed for BK, I also don't hide it should someone ask me about it. the bottom line is when going through this process show you are a responsible person and be honest when filling out your application and you should be fine.
hopefully this information will assist future and post filers going through a similar situation.
Bankruptcy Wizard
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