Will a past bankruptcy hurt my chances of adopting?

sarahgmac · 07-04-2007, 09:50 PM

Hello Ladies,

My RE told me this week that I would most likely have to do IVF to get pregnant, and my insurance doesn't cover it.

I am not sure what I want to do. I do not want to spend 20k on IVF and not have a child.

But DH and I declared bankruptcy back in 2004. My DH thinks that no one in their right mind would let us adopt. Does anyone know how much that will factor in?

We have an almost brand new house with 4 bedrooms. DH works at a University and our kids will get to go to a really great college for free.

I wouldn't mind at all adopting a foster child. Actually as long as the child is younger than my Gracie (she is almost four) I wouldn't care about the age. I just wouldn't want the child taken back as that would devastate me.

Also since I already have two girls, would that be a problem? Most people think I am nuts for wanting another child to the extent that I do.

Any advice would be great. I feel so lost about what to do. I think my bankruptcy would exclude me.

Thanks Ladies,

~Sarah

anang · 07-04-2007, 10:13 PM

Hey , I foster care adopted three boys this year

usually you just have to show you can support your family now as well as the new child I don't think a backruptcy 3 years ago would rule you out if you are doing well now and can prove it.

there are single kids under 4 and siblings under that age as well. They may take longer to be placed if you are not willing to take children who are NOT going home but children like that are out there.

For some kids it is asked that they be only children and others older siblings are seem as a bonus every situation is diffrent.

Here is a link to your state's info

good luck in what ever you choose and let me know if you have questions

http://dfcs.dhr.georgia.gov/portal/s...00bf01010aRCRD

poetwer · 07-04-2007, 10:14 PM

I had a friend file bankruptcy in 2000 and she just adopted in June of this year. I'm not sure if she waited the 7 years for her credit to come back or if it was never an issue.

Miss-Meme · 07-05-2007, 08:26 AM

From what I know they do not do a credit check, but they do ask that you show what you make and what you pay out.

I think on an adoption board I was on someone asked this and everyone told her it would not make a difference in adoption.

sarahgmac · 07-05-2007, 11:33 AM

Thanks Ladies!

angang: thanks for the link! I cannot believe the wealth of information there.

My DH and I were talking about adopting last night. He just always shot down the idea because of the bankruptcy. I also think he wasn't ready to admit that I may not get pregnant. He seemed pretty excited about the idea last night.

Did any of you ladies have any problems with relatives accepting your adopted child? My main concern is my mil. She has favorites and actually likes my Hailey more than my Gracie. If we adopt I am worried how little attention she will give a child who is not biologically hers. She lives in NJ and we live in GA so it would not be an everyday thing, but it would break my heart. My DH and I joked about not telling them and adopting a couple month old and telling MIL that I had the baby. They would never know right? :-)

anang · 07-05-2007, 03:25 PM

You are welcome

my family has been great with our boys .

I think since you already have problems with her playing favorites between your bio kids that her feelings should not be considered in your choice. You will need family and/or friends to support you during the process but not everyone has to in order for to make it a great choice for your famiy.

clj07 · 07-07-2007, 10:00 AM

Sarahgmac,
I wanted to give you a little input on adoption. I filed bankruptcy in 2005 and adopted March 2007. No problems with that part they will want a financial analysis to make sure you can afford another child. I had an issue with my own mother and adoption at first she was not willing to acknowledge the baby as mine but now she has come around I had to tell her straight out do not treat my children different they are both the same I have two girls also. The best thing I ever done was to adopt and we plan on adopting more and starting a foster care home. Your family and friends support is important but remember that God put children on this earth and everyone of them deserve a family.