• Can anyone tell me if bankruptcy gets in the way of you getting a job. I have applied to everything and no takers.

    Asked by KimG on Friday, January 25, 2013

    Can anyone tell me if bankruptcy gets in the way of you getting a job. I have applied to everything and no takers.

    This job hunting doesn't do anything for my confidence. If anyone knows of a job, I am in the Chicago area, somewhat north and am a certified pharmacy technician. I could really use the help. kimg09

    12 Answers from the Community

    12 answers
    • nancyjac's Avatar

      That' not typically a question that is on a job application. Unless they were doing a financial background check, how would they know you had filed bankruptcy? The job market has been tough all over, both geographically and in most professions. There are just more people than job available. You might consider working with a temp agency. Sometimes those positions lead to a permanent job offer and at least you would have some income while you are looking.

      over 3 years ago
    • Harry's Avatar

      They may not ask the question, but these days they often run a credit check (don't ask me why) and bankruptcy will have a big effect there. But, NancyJac is right. It's plain hard to find a job these days. And, it is very discouraging to look and find nothing.

      over 3 years ago
    • BuckeyeShelby's Avatar

      Usually it should only make a difference if you are going into the financial sector, working with money. Credit scores can affect that kind of hiring. Best of luck w/your search.

      over 3 years ago
    • ticklingcancer's Avatar

      Like everyone has said, it might cause a problem if you're applying for a job in the finance world. Outside of that, a credit check is not usually done.

      over 3 years ago
    • Harry's Avatar

      The use of credit scores in hiring was a bigger issue about a year ago. I did a quick google search on the subject and found several articles on the practice mainly from last winter and spring. Some articles described it as a fact and others thought it a myth--at least for most job seekers. It is legal under US law. It looks like one is most likely to encounter pre-hiring credit checks for financially responsible positions. However, I wouldn't be surprised to see a pharmacy do this because of the potential for prescription drug abuse.

      I am not saying that anyone is irresponsible. In this economy--and facing major medical expenses--anyone might be driven to bankruptcy. But, unfair as it may be, many look at bankruptcy and other credit killing behaviors as a sign of irresponsibility. Given multiple applicants for a position, I can see a pharmacy going for the candidate without a bankruptcy. Why take a chance? And, bankruptcy might become known to a prospective employer doing a background check without getting a credit score.

      Getting a job these days is hard enough. I don't think this sort of thing should be part of the hiring process. But, some employers are doing it. It's hard to quantify because employers have to tell candidates if a credit report kept them from being hired, so they always just say, "we found a better candidate" and you can't disprove that.

      over 3 years ago
    • SueRae1's Avatar

      You got some great answers. Many companies do credit checks on employees before they hire them, so that may or may not be a factor. Another issue might be agism. Many people have the delusion they can hire a 20-30 year old, for less, with all the experience that us older folks bring to the job. Another issue is that with so many qualified people looking for work, employers keep looking for that "perfect fit", some are reluctant to hire people who have been out of a job for more then a year. The whole employment issue is very complicated, and I can go on for ever, but now you have my condensed two cents worth.

      over 3 years ago
    • Peroll's Avatar

      Kim, Teh fact is that the function of the personnel dept in most large companies is to NOT hire people. It is also now becomming more common for mid and even some smaller businesses to hire consulting firms that do this for them. I realize that this just sounds wrong but if you look at it from thier perspective it is corect. Nowdays most companies get 100's of applications for each job opening, many more than any hiring manager can possibly look at thus the job of the personnel Dept is to get it down to a manageable number. To do this there are a number of tools used, mostly automated nowdays. They use word searches in applications and resumes, so you have to have the correct words and not have the bad ones, but what are correct and what are bad ones is a closely guarded secret. They also will automatically run credit checks in some cases to further cut down on the number that they have to look at manually. So what does a job seeker have to do tyo get hired today? My best advice in your case would be to target small family owned pharmacies, that are unlikely to use this kind of screening, where you can deliver your resume in person to the manager that is hiring. It is much harder for them to say no to someone that they meet in person. Also volunteer to take the least desirablre shifts and do the dirty work. Be sure to emphsize your work history and any special skills you may have. I would assume that you have a break in your work history fgor your cancer, so I would try and make that a positive and note that you can relate to customers going through this kind of treatment. Good Luck!!!!!

      over 3 years ago
    • Nomadicme's Avatar

      I hear you. I've been out of a job for 3 months now and I have an excellent credit score. Be hopeful and keep trying, you've faced worse.

      over 3 years ago
    • GypsyJule's Avatar

      I work as an Employment Specialist and it is my job to help people find work. I agree with many of the answers here, that credit scores can sometimes be an issue, depending on the type of position you are applying. There are some tools you can use to help get over that barrier if you know that your credit is an issue. First, the company must tell you if they are going to pull your credit report - it may be in fine print on their application, but keep an eye out for it. If so, get ahead of the game by letting them know that you had financial problems in the past and were forced to file bankruptcy. There is a federal bonding program that takes the risk out of the employers hands, so if the employer tells you that the bankruptcy WILL be a problem, you can discuss the bonding program. It's sort of an insurance policy for the employer. You can email me for more information and a link to a great website about it.

      You may also want to make sure your resume is working for you. If you're not getting interviews, take a second look at your resume, and have someone else look at it too. It should be focused on the skills you have that the employer wants and needs. Email me if I can help you at all. You know, sometimes we do everything right, but we just have to wait for the right employer.

      Good luck!!

      over 3 years ago
    • Carol-Charlie's Avatar

      I do believe they run a crdit check on prospective employees. If you suspect this is the case... you could A) tell them ahead that you had a problem in the past that is now corrected. or B) Go to a temp agency... be up front with them and ask them to place you in jobs that are considered Temp to Hire. Good Luck

      over 3 years ago
    • KimG's Avatar

      Thank you all for your answers and support for my bankruptcy question. You all truly helped and made me feel better. You are all awsome and don't forget it!!!kimg09

      over 3 years ago
    • AlizaMLS's Avatar

      Dear KimG,

      I saw that you posted this a while back and thought I'd give you my take though it may be similar to others. People do more credit checks on job applicants than they did say 20 years ago. Why I'm not certain. Especially as a (retired) Librarian, I cannot imagine the relevance of this as most of the time, we did not handle the money in the safe (there were exceptions).

      In your field (Pharmacy), because there can be (by some employees) abuse of prescription meds, they may use a credit check to weed out what they think could be potential problems. The problem with that is that people have credit problems for many reasons and not only (obviously) because they abuse prescription drugs. I don't know if it would help to suggest that you apply to a small pharmacy rather than the bigger chain stores, but that might be one idea.

      I hope by now things have improved and you have been able to find some work.

      Warm wishes,
      (Btw, you were in touch with me earlier as AleezaMLS [my login was a problem so I reregistered])

      over 3 years ago

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