This is a common question that my office receives from potential clients fearful of their employer finding out they filed bankruptcy. First, let me put your mind to rest. The Bankruptcy Code prohibits employers from discriminating against employees based solely on the fact that the employee filed bankruptcy. This includes firing an employee just because that employee needed to file for bankruptcy relief. It also prevents employers from discriminating in other ways. For example, your employer cannot demote you to a lower position, withhold promotions, or decrease your salary based solely on your bankruptcy filing. The employer must have other factors that would substantiate such action that had nothing to do with the bankruptcy filing.
Are you struggling to pay your bills on your current income? Do you have creditors and debt collectors contacting you at home and at work? Have you been served with a lawsuit to collect a debt? If you answered “yes” to any of these questions, contact the Law Office of Travis J. Richards, LLC for a free bankruptcy consultation. Bankruptcy stops creditor harassment, wage garnishments, repossessions, foreclosures, and lawsuits. You do not need to suffer any longer for fear your employer will fire you if you file bankruptcy. You can get the debt relief you need now so that you can begin to rebuild after a financial crisis.
Will My Employer Know I Filed Bankruptcy?
Even though an employer cannot fire an employee for filing bankruptcy, many people would rather their employer not find out they needed to file for bankruptcy relief. The good news is that even though bankruptcy filings are public record, most people do not know how to find that information. Bankruptcy filings are not as easy to find as county and state court filings. There is a chance your employer could find some information about your bankruptcy filing but that chance is low. Of course, if you owe money to your employer, you must list the debt in your bankruptcy filing. Your employer will receive the same notice as all of your other creditors that you filed bankruptcy.
If you file a Chapter 13 bankruptcy and your plan payment is to be deducted from your wages, your employer’s payroll department will receive notice of the bankruptcy case. Most companies have strict rules about discussing personal information; therefore, the payroll department should keep the information about your bankruptcy case limited to the people who must know about the filing in order to process your payroll and send the plan payment to the bankruptcy trustee.
It is understandable that you may not want your employer, co-workers, family, or friends to know that you filed bankruptcy. However, if you are struggling with debts that you cannot pay, eventually your creditors will take aggressive action to collect the debt. When this occurs, your friends, family, and co-workers will likely realize you are in financial trouble. By filing a bankruptcy case before matters get to that point, you may be able to keep your bankruptcy case private except for those you choose to tell.
Contact an Experienced Mount Holly Bankruptcy Attorney
Personal Approach, Professional Service, Affordable Payment Plans
The Law Office of Travis J. Richards, LLC is a full-service Mount Holly bankruptcy law firm focused on Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, debt consolidation, credit repair, tax liens, student loans and foreclosure. We represent clients in Burlington County and throughout South Jersey.
Contact our office at 609-267-5297 to schedule your free consultation to discuss bankruptcy and non-bankruptcy alternatives. You may also use our convenient online contact form and one of our friendly, professional staff members will contact you to answer your bankruptcy questions and/or schedule a free consultation with Travis J. Richards.
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