The law provides express prohibitions against discriminatory treatment of debtors by both governmental units and private employers. A governmental unit or private employer may not discriminate against a person solely because the person was a debtor, was insolvent before or during the case, or has not paid a debt that was discharged in the case. The law prohibits the following forms of governmental discrimination: terminating an employee; discriminationg with respect to hiring; or denying, revoking, suspending, or declining to renew a license, franchise, or similar privilege. A private employer may not discriminate with respect to employment if the discrimination is
To get back to good credit, you need to get a credit card, a $1000 CD, and/or use one of our Faith-based credit repair associates. 1) Make a list of, at most, 10 local banks and then call each one, tell them that you have filed bankruptcy, received your discharge and would like to apply for new credit. Ask if they could qualify you for an unsecured credit card. If not, ask if they can give you a secured credit card in which you put $500 into a savings account and have a credit card with a $500 limit. (Most
Reviewing your “after bankruptcy credit report” could save you hundreds of dollars, or even thousands, when you are ready to buy a car after bankruptcy. Things to look for: First, that a debt discharged in bankruptcy shows a zero balance. (The credit report may include an account that was discharged in bankruptcy – as well as the bankruptcy itself – as long as it reports a zero balance due to reflect the fact that the consumer is no longer liable for the discharged debt.) Second, that a debt discharged in bankruptcy shows a “discharged in bankruptcy” status. (Similarly, a credit
They may decide to close your account if you are declaring on their debt. I recommend opening an account now at another bank.
Getting car loans after bankruptcy is often thought to be impossible. Actually, that perception is wrong. You can get a loan – it’s just more work. Make a list of 10 car sellers in your area. Call each one and tell them that you have a discharge notice from your bankruptcy and that you would like to know if they give car loans after a bankruptcy. Make sure you get a firm “yes” or “no” before applying. Also, get more information on buying a car after bankruptcy and apply for loans at http://www.carsdirect.com/auto-loans/how-to-get-a-car-loan-during-bankruptcy.
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