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New DBA + Bankruptcy = Career Doom?.. Expand / Collapse
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Posted Saturday, February 8, 2014 11:05 AM
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So I recently decided to make a career change and recently acquired a masters of science in database administration. Now I'm looking for my first job and contemplating bankruptcy because my credit cards are off the charts from going back to school. So my question to everyone is, if I file for bankruptcy how much will this hurt my career as a DBA. I understand that some government jobs require certain security clearance and all DBAs work with data that may include finance information etc. But I have no other issues: any illegal activity, missing payments on CCs/loans, etc. I am truly a honest person and have never been fired from a job in my 40+ years. So how much do you think a bankruptcy will effect my acquiring a job and moving up the DBA ladder? Also to anyone in a hiring position, would you hire a DBA that has a bankruptcy on their credit report?
Post #1539518
Posted Saturday, February 8, 2014 3:12 PM


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I don't think it would be worth it.

Many employers pull the credit history these days and do make that judgement if there are big dings on the credit.




Jason AKA CirqueDeSQLeil
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Post #1539532
Posted Saturday, February 8, 2014 4:37 PM


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David1425 (2/8/2014)
So I recently decided to make a career change and recently acquired a masters of science in database administration. Now I'm looking for my first job and contemplating bankruptcy because my credit cards are off the charts from going back to school. So my question to everyone is, if I file for bankruptcy how much will this hurt my career as a DBA. I understand that some government jobs require certain security clearance and all DBAs work with data that may include finance information etc. But I have no other issues: any illegal activity, missing payments on CCs/loans, etc. I am truly a honest person and have never been fired from a job in my 40+ years. So how much do you think a bankruptcy will effect my acquiring a job and moving up the DBA ladder? Also to anyone in a hiring position, would you hire a DBA that has a bankruptcy on their credit report?


First and foremost, before considering bankruptcy be sure to look at your current position financially. Are you currently working and able to meet your financial obligations? Second, as you look at moving to a new career field as a DBA, what can you bring with you from your current career? I ask since you didn't mention what you are currently doing.

I have been in the IT field for over 30 years, working as a DBA (production and development) for over 16 years. I recently (a few years ago) had to file for bankruptcy myself when my wife and I divorced. At the time I working at Honeywell and was concerned about my clearance at the time, but after an investigation I kept my clearance. I am currently working for another company and deployed in Afghanistan (actually at home on R & R) and still have my clearance.

If you find it that you have no choice but to file bankruptcy be honest with your potential employers if this should come up. When I was interviewing for a position back here in the states while I was in Afghanistan (long story short, I was going to be coming home in February to being unemployed at one point), the company mentioned that they did a credit check. During the initial phone interview I simply mentioned that I had issues on my credit report that I would like the opportunity to discuss further.

Be sure to talk with an attorney as well. You may want to talk to several before selecting one as well.



Lynn Pettis

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Post #1539538
Posted Tuesday, February 11, 2014 3:35 AM


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It does depend on the company. Smaller organizations, depending on what they do, may not ever bother with the credit report. I've worked with companies that didn't.

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Posted Tuesday, February 11, 2014 6:18 AM
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Like Grant said, it does depend on the company, but I think most companies pull a credit report these days. Bankruptcy is a huge flag on a credit report. Then again, so is having large amounts of unsecured debt. Lynn has some pretty solid advice there about talking to an attorney. Whatever way you go, don't try to hide either problem. Any prospective employer is going to find the problem if they look anyway and it's better to just be honest up-front.


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Post #1540164
Posted Tuesday, February 11, 2014 8:05 AM


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David1425 (2/8/2014)
... if I file for bankruptcy how much will this hurt my career as a DBA. ...But I have no other issues: any illegal activity, missing payments on CCs/loans, etc. I am truly a honest person


I'll be blunt right here. If you have no missing/late payments and are able to make the payments then why file for BK? Honest people, that are able to make the payments, hold true to their obligations and pay their debts. If the only reason for filing BK is to get rid of that unsecured debt from going to school - then don't do it.

Three of my recent gigs would not hire somebody with a recent BK. One was in the lending industry and another was government related. You have to be very careful about declaring BK (and which type of BK).

Don't do it unless you absolutely have to.




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Posted Tuesday, February 11, 2014 11:41 AM


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David1425 (2/8/2014)
... if I file for bankruptcy how much will this hurt my career as a DBA. ...But I have no other issues: any illegal activity, missing payments on CCs/loans, etc. I am truly a honest person


I'll be blunt right here. If you have no missing/late payments and are able to make the payments then why file for BK? Honest people, that are able to make the payments, hold true to their obligations and pay their debts. If the only reason for filing BK is to get rid of that unsecured debt from going to school - then don't do it.

Three of my recent gigs would not hire somebody with a recent BK. One was in the lending industry and another was government related. You have to be very careful about declaring BK (and which type of BK).

Don't do it unless you absolutely have to.


I have to agree with Jason, don't file if you don't have to do it. In my case, we had no choice. We could meet our financial obligations while married, but divorced there was no way to meet our obligations and for me to support two households.

Again, I would still consult with a bankruptcy attorney before you do anything. Also, if you have any student loans, those are not dischargeable in a bankruptcy.




Lynn Pettis

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Post #1540374
Posted Wednesday, February 12, 2014 8:31 AM
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Bankruptcy also makes other non-obvious things difficult such as getting house insurance, as some companies won't insure a property where a bankrupt lives even if the policy holder is not the bankrupt person!
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Posted Wednesday, February 12, 2014 1:17 PM
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It is very strange to hear that a DBA applies for bunkropcy. We are highly paid professionals who receive much more than the average value in the country, must be able to manage our own finances.
How you can manage complex database systems if you can't manage your finance? Frankly, I would not hire you, even if all the rest qualities that you posess are outstanding.
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Posted Wednesday, February 12, 2014 1:29 PM
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Lynn Pettis (2/11/2014)
Also, if you have any student loans, those are not dischargeable in a bankruptcy.

This can't be emphasized enough.
You should do your best to avoid a bankruptcy, it makes everything in life just a little tougher for a while. Unless you're Lynn and say you racked up debt while gettin' the bad guys in Afghanistan!
But if you do, always be honest.
Good luck


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