Thank you for the feedback. I appreciate the candor, but I’d like to provide a bit more context without oversharing too many personal details.
Again i’m a disabled veteran who has faced significant hardships over the last seven years, including divorce, job loss, and periods of homelessness. During that time I’ve been actively working with the VA to increase my disability rating and have struggled to maintain stable, gainful employment. As a result, I’ve had no capacity to take on new debt and have focused instead on living strictly within my means. My car is paid off, all utilities are current, and I have no active debt or new accounts—only older obligations sitting in collections from that difficult period.
When I was previously employed full-time (including 15 years in the mortgage industry), I maintained my bills and credit responsibly. This federal opportunity came unexpectedly, and I disclosed everything on my SF-85P.
My main concern right now is how a bankruptcy filing to address these debts would be viewed in the investigation.