How Chapter 13 Bankruptcy Can Help Affected Federal Employees

Posted on November 20, 2013 at 7:40pm by

Kansas City Bankruptcy Attorneys Offering Chapter 13 Filings with No Upfront Fees to Federal Workers

The recent shutdown of the federal government meant the temporary furlough of some 2 million employees. Across the nation, countless breadwinners found themselves suddenly out of work and without regular paychecks. This downturn in financial fortune may have caused many federal workers to look to bankruptcy as a means of resolving their financial troubles.

Some federal workers may be hesitant to file bankruptcy out of concerns that doing so would endanger their future in public service – but nothing could be further from the truth. Our Kansas City bankruptcy attorneys can guide federal employees through the bankruptcy process in a way that helps them set up a future of financial stability.

Does Bankruptcy Affect Security Clearances for Federal Workers?

Many people fear that their employers can fire or deny employment because they sought legal solutions to their debts. Except in very rare circumstances, no federal employer may fire an employee based on filing for bankruptcy.

Bankruptcy is also not a common reason for denying or revoking an employee’s security clearance. In fact, it is a greater risk to one’s clearance to continue struggling under the weight of overwhelming debt or to miss payments to creditors.

Relief for Federal Employees Affected by the Government Shutdown

For federal workers struggling financially, the recent federal government shutdown may have caused financial disaster. Many families live paycheck to paycheck, and a few weeks without income can result in missed car and mortgage payments, delinquent utility bills and unpaid credit card bills. Even after the shutdown thankfully ended, the consequences to workers run deep.

If a federal worker has a house or a vehicle that they need to keep, it would most likely be best to pursue a Chapter 13 bankruptcy. In Chapter 13, a person’s debts are organized into a payment plan that lasts from three to five years. The individual will make only one payment a month to the bankruptcy trustee, who will distribute the money to creditors. At the conclusion of the plan, the court will discharge certain unsecured debts, such as credit cards, medical bills and more. This form of bankruptcy allows families to keep their car, save their home and get back on track with their finances and budgeting.

Normally, bankruptcy attorneys require at least a portion of their attorney fees to begin a Chapter 13 bankruptcy case. However, for a limited time, our firm is offering to file, with $0 attorneys fees paid up front, Chapter 13 bankruptcies for federal workers who are struggling after the recent government shutdown. If you are a federal worker affected by the shutdown, contact our office to learn more about our no up-front fee Chapter 13 services.

Find a Kansas City Bankruptcy Attorney

Contact our Kansas City bankruptcy lawyers if you are struggling financially in the wake of the government shutdown. Just like anyone else, federal employees can use bankruptcy as an effective method for dealing with overwhelming debt. If you are considering bankruptcy, we provide a free consultation to learn about your best options. Call us today at (816) 561 1818. We are able to assist federal employees throughout Kansas and Missouri.



Tags: ,