Many Employers are Wary about Hiring Someone who has Filed Chapter 13 Anaheim

There is an old saying about giving a dog a bad name and hanging him. This is the case of someone who is looking for a new job after filing Chapter 13 Anaheim, or anywhere else in the country. Unless you are a Chapter 13 attorney Anaheim, or wherever, or are practicing Chapter 7 bankruptcy law Anaheim, you will find that many prospective employers are wary of hiring someone has the stigma of bankruptcy attached.  

Debtors need employment after bankruptcy, but many may be denied job opportunities simply because of past financial failure. A bankrupt individual is like a teenager who is repeatedly turned down for jobs because he lacks experience. But if he keeps on getting turned down, he will never get the experience he needs. Somebody has to take a chance on the youngster and give him his first job. Likewise, employers must be willing to take a chance on hiring someone who has been bankrupt. 

Companies often check credit when a job involves finance, accounting, cash or valuable merchandise and when a position requires a security clearance. If your credit is poor or you’ve filed bankruptcy, be ready to provide interviewers with a short, contrite explanation and to redirect the conversation to one of your strengths as well as to a reference that can back up your story. A positive attitude and a determined demeanour, along with a job-winning resume, go a long way in convincing an interviewer that, in spite of any blemished credit report, they have the right person for the job. Applicants should spend time extolling virtues and not vices. Paint a picture of past workplace successes and superior abilities, and exude competence. 

The same criteria will apply to all applicants when applying for a job but for someone who has been dealing with a bankruptcy Chapter 7 lawyer Anaheim or with a Chapter 13 bankruptcy Anaheim, there is the additional pressure of dealing with this prejudice. Finding employment after bankruptcy can be quite a challenge. Applicants applying for work in banking, retail merchandising, government, security, and outside sales have always been routinely screened by prospective employers to verify clean credit records, clear criminal background checks, and negative drug tests. However in recent years, extensive screening, including credit checks, has become the norm for increasingly more occupations. An individual may possess all of the qualifications, but if a Chapter 7 or 13 proceeding appears on the credit report, they may be denied the job. 

This does not mean that you should just give up and accept defeat. Although it may seem like an uphill battle you will find that not all future employers will judge you in the same manner. There will be those amongst the rest who are sensible to realise that having to file for Chapter 13 Anaheim or having to file for any form of bankruptcy may not necessarily be a character flaw. These things sometimes do happen to good people and they cannot control the final outcome of it.

Searching for a Good Bankruptcy Attorney Orange is Easy these days

The internet has made life so much easier for just about everyone and now so much time is saved when you are searching for something. In the olden days it could take a whole day of traipsing around offices to find a good bankruptcyattorney Orange. Then you would ask around and check out the references given and the recommendations of other people suggesting an attorney bankruptcy lawyer Orange. 

These days all you need to do is to log on to the internet and search for an attorneybankruptcy Orange and you will be presented with a vast range of options. The words attorney bankruptcy law Orange will be sufficient for you to be able to make a selection from so many results and you can even check out the reviews of other people regarding their experiences with the bankruptcy lawlawyer Orange that you are considering. 

Types of Bankruptcies

When a business faces insurmountable financial problems, it can petition the courts for one of several types of bankruptcies. The most common are Chapter 7, which liquidates a business, discharging debts you cannot pay and obligations you cannot meet, and Chapter 11, which helps a business temporarily suspend certain obligations while it prepares a reorganization plan. A Chapter 7 bankruptcy allows you to start a new business with no burdens or obligations from the one you closed. Chapter 11 helps you take steps to stop your downward slide so you can save the business profitably and re-emerge from bankruptcy.

Chapter 11 is commonly referred to as business reorganization. Although individuals can file a Chapter 11, most filings are for businesses. Under a Chapter 11 case, the business or individual debtor remains in possession of the assets and formulates a plan to pay creditors over a period of time. The debtor in possession may divide creditors into different classes, rearrange or sell certain assets, and have certain protection while formulating a plan while remaining in business. There is no limit on the amount of debt an individual or business may have under this chapter.

Under Chapter 13, a lawyer can provide assistance in maximizing your fresh start through motions with the court to revalue assets, strip liens and provide you the relief you are seeking. The eligibility limits on filing a Chapter 13 change on a yearly basis and you should consult the Bankruptcy Code or an attorney for the limitations.

The thing that you need to be aware of is the fact that although bankruptcy is a common part of life these days and there is no longer any shame involved, it can still be upsetting and things are made worse when the filing is done wrong and problems arise. This is why it is important to not cut corners by trying to do everything yourself, but instead to hire the services of a bankruptcy lawyer Orange, or wherever. In this way you can at least rest assured that you are in good hands and the chances of success are increased.