Q: I filed for bankruptcy a couple years ago because of a nasty divorce. That was bad enough, but now I've been laid off. Since employers check credit ratings, I'm worried that I won't be able to find a decent job again. Can I find work after a bankruptcy?

A: Yes, you can find work - good work - again.

(Yes, there's a "but" coming.)

But...it's much easier to find work with good credit than bad. Here are a few things to keep in mind:

Bankruptcies stay on your record for 7-10 years, but you can have a sparkling credit rating within two years of your bankruptcy filing. As long as you stay up on your payments, your credit rating will rebound. In fact, some have found they can get great loan rates and credit card rates within two years. They also find they can get good jobs, too.

Given it's been a couple years since your bankruptcy (and from the tone of your question), let's assume you've been making timely payments on any loans, credit cards, utility bills, etc. since then. If so, then you may want to obtain a copy of your credit report. In fact, you're entitled to get one (and you've probably seen the advertisements from companies that will provide them to you at no charge).

If you've had difficulty keeping up with your payments since your bankruptcy, then you may be facing an uphill battle. That's not to say you're out of luck, but just a warning that companies are leery of hiring those with poor credit.

Here's the thing, though: Companies can't pull a credit report on you without your permission and your Social Security Number. In order for them to get your SSN, they'll probably have to see you in person. That means you've got an interview. If that's the case, it may be in your best interest to be upfront with them by saying something like: "I know you'll be pulling a credit report on me. I went through a divorce which has played havoc with my finances and forced me into bankruptcy. I'm taking actions to get my credit rating and finances back in order, but I figured I'd be up front with you."

Honesty can be refreshing to employers. Many will reason that since you're being honest with them about what they might find, you will also be an honest (read as "desirable") employee.

IN THE CARAVAN: You can find good work after a bankruptcy. Take steps to correct your credit rating, get your credit report and be up front about it while interviewing.

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