The stress and uncertainty that accompany a job search after filing for bankruptcy can feel overwhelming. At Stuart Law Firm, our Richmond bankruptcy attorney team talks with job seekers every week who share the same concern: Will this hold me back? Take heart—while your worries are valid, the impact of bankruptcy on employment is often misunderstood.

Public vs. Private Employers: What the Law Says

Public (government) employers cannot refuse to hire you solely because you filed for bankruptcy. That protection comes from federal law, and it applies whether you filed Chapter 7 or Chapter 13.

Private employers have more discretion. In Virginia, many private employers are permitted to run credit checks for certain roles—but they must get your written consent first. If a credit check is part of the process, you’re entitled to know, and you can ask how the information will be used in the decision.  Counterintuitively, some employers have required their employee to file bankruptcy to avoid losing security clearance.

Jobs Most Likely to Consider Credit History

Some positions are more likely to review credit and factor in a bankruptcy:

• Banking and financial services

• Accounting and bookkeeping

• Roles with significant cash handling or fiduciary responsibilities

• Certain positions requiring security clearances

That doesn’t mean you’re disqualified—it just means you should be prepared. If you’re applying for these jobs in Richmond or Northern Virginia, consider addressing your bankruptcy proactively if asked: explain what happened, what you learned, and how you’re managing finances now.

 

Can Employers See a Bankruptcy?

Yes. A bankruptcy appears on your credit report and is a matter of public record. A Chapter 7 can remain on your report for up to 10 years; a Chapter 13 typically remains for 7 years. If an employer runs a background or credit check, it may surface.

Be ready for the conversation(if it comes up):

• Keep it brief and factual.

• Emphasize the positive—bankruptcy is a legal tool you used to take responsibility and reset.

• Share the systems you’ve put in place (budgeting, on-time payments, emergency fund) that support reliability and stability.

The Real-World Impact (It’s More Positive Than You Think)

Here’s the reassuring truth: Most job seekers do not face significant hurdles purely because of a bankruptcy. Employers overwhelmingly focus on your experience, skills, and references. Many also appreciate that taking decisive steps—like filing Chapter 7 to eliminate unsecured debt or Chapter 13 to create a structured repayment plan—shows responsibility and resilience.

Practical Tips for Your Post-Bankruptcy Job Search

1. Know your rights. If a private employer in Virginia wants to run a credit check, they need your written authorization. You can request a copy and dispute any inaccuracies.

2. Tighten your narrative. Prepare a short, non-defensive explanation if asked. Focus on recovery, not the past.

3. Polish your resume and references. Strong evidence of performance often outweighs credit history concerns.

4. Target wisely. If you’re concerned, apply first to roles less likely to require credit checks, then expand.

5. Stabilize your credit profile. On-time payments and a secured card can help rebuild faster after discharge.

How Stuart Law Firm Can Help

At Stuart Law Firm in Richmond, VA, we guide clients through Chapter 7 and Chapter 13 from start to finish—and we stay with you after filing to help you understand how bankruptcy intersects with background checks, licensing, and employment in Virginia. We also help with:

• Foreclosure prevention(including emergency filings)

• Wage garnishment relief

• Case assessment & filing support

• Alternatives to bankruptcy when a different path is a better fit

If your job search is being slowed by creditor actions or a wage garnishment, fast legal intervention can remove immediate pressures so you can focus on landing the right role.

 

Considering Immigration or Mixed-Status Household Concerns?

Stuart Law Firm also supports immigration law matters— family-based immigration, green cards & adjustment of status, citizenship & naturalization, humanitarian relief(VAWA, U Visas, SIJ, asylum), immigration waivers(including I-601 and I-601A), visit or visas, work permits, and consular processing. If your household is navigating both immigration and financial questions, coordinated advice can prevent unintended consequences.

 

Ready to Move Forward?

Bankruptcy doesn’t define your worth or your future. With a thoughtful plan—and support when you need it—you can move confidently toward your next opportunity.

 

Contact Stuart Law Firm
8002 Discovery Drive, Richmond, VA 23229
Serving clients across Virginia, including Northern Virginia, Hampton Roads, and surrounding communities.