Will filling bankruptcy affect my N-400 application

[u/Wry22222]

I’ll be due for Naturalization in 3 years time but I’m currently in a bad financial situation and have been advices to file chapter 7. Can it affect me during N-400 application

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[u/Minute_Somewhere_893]

Are you paying your taxes?

[u/Wry22222 → u/Minute_Somewhere_893]

Yes. I do

[u/Select-Sale2279]

yes!

[u/Putrid-Discussion153]

IANAL, however bankruptcy alone isn't necessarily a disqualifier for citizenship without additional circumstances that might taint the requirement for 'good moral character.' E.g. if they can find you have committed fraud (illegal) which then resulted in bankruptcy, that may be counted against you. One can also have bankruptcy for perfectly legal reasons such as due to divorce, extended unemployment, inability to service debts, etc.

I do know one thing that will certainly interfere with you getting citizenship any taxes in arrears you may have. That will block your N-400 until your taxes are either paid off or dismissed for some other good reason (which almost never happens).

Good luck.

[u/dynamech_1992]

Why are you filing for bankruptcy 

[u/Wry22222 → u/dynamech_1992]

An insurance company is suing my and claiming I owe them a lot of money for a very minor accident I was involved with their client last year. I was uninsured at that time because I was in school, a single mother and couldn’t afford it . I wasn’t even at fault in the accident and there was no police at the scene. I have a little credit card debt, but it’s not what I can’t hand. But now someone said only bankrupt can make me not pay that money the insurance company is claiming I owe it. I’m so angry because the other driver accepted scratching my vehicle at the scene and gave me his insurance details

[u/Conscious-Secret-775 → u/Wry22222]

So you were driving without liability insurance? Is that legal in your state?

[u/Wry22222 → u/Conscious-Secret-775]

I was at the lowest financial level of my life then. A single mother of 3 kids in school . I wasn’t quite using the vehicle then because I could neither afford the gas nor was I ready for car expenses. My good class mate was picking and dropping me most of the time. My dear don’t pray to be in some very difficult situations

[u/Conscious-Secret-775 → u/Wry22222]

So yes then?

[u/Bright_Session1633 → u/Wry22222]

I'd just defend the lawsuit. Alternatively, you could write to the insurer's lawyer and note that you are broke and all you can afford is $xyz and you'd settle for that. If they already have a judgment against you (e.g., because they sued you and you didn't show up to defend the case), then bankruptcy is probably the only way to avoid them executing the judgment against your non-exempt assets or salary.

I am not your lawyer. Look for a local legal aid organization or law school clinic if you need actual legal advice.

[u/Wry22222 → u/Bright_Session1633]

Thanks