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Bankruptcy and Your Security Clearance

Many people know they need to file for bankruptcy but always seem to have an excuse for not reaching out to a Chapter 7 attorney in Houston. Nearly all of these excuses come down to fear:

  • I am afraid that bankruptcy will ruin my credit score
  • I am afraid that my boss will find out
  • I am afraid that I will be embarrassed in front of my neighbors

In addition to understanding that these fears are baseless, you also need to understand that bankruptcy does not have any automatic effect on your security clearance. When filing for Chapter 7 in Texas, your bankruptcy attorneys in Houston can help you minimize or eliminate any adverse effects your filing may have.

Like almost any other interaction you have with an official entity, the impact of filing for bankruptcy is determined on a case-by-case basis. There are definitely some steps you can take to put your bankruptcy in a more favorable light:

  • Be upfront. Tell your commander or boss that you have filed bankruptcy. Do not wait until he/she sees your name on a report. All employers take a very dim view of subordinates who appear to be hiding something.
  • Explain your financial condition. If you can offer a reasonable explanation for your bankruptcy filing and offer practical ways that your financial habits have changed, your bankruptcy can actually look like a sound financial decision.

In fact, a significant amount of unpaid debts can have a more detrimental effect on your security clearance than a bankruptcy filing. Fear has dictated your monetary decisions long enough. Contact The Law Office of David A. Fernandez, P.C. to schedule your confidential consultation.

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