Corporate Bankruptcies Are Rising At A Concerning Rate—What To Do If Your Company Has Filed For Bankruptcy

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There have been more than 230 corporate bankruptcy filings in the United States in 2023, according to the latest market intelligence data from S&P Global. The uptick in bankruptcies is attributed to several factors, including rising inflation, supply chain disruptions, interest rate hikes by the Federal Reserve and a recent clawback on bank lending.

What Does It Mean When A Company Files For Bankruptcy

Businesses file for bankruptcy for various reasons, including general economic weakness, operational conflicts, ineffective business strategies, increased competition, regulatory changes, litigation, personal issues and loss of critical employees. Bankruptcy allows companies to restructure their debt and reorganize their affairs to maximize the amount paid to creditors.When a company files for bankruptcy, it can significantly impact its workforce.

In a Chapter 11 bankruptcy, employees may be able to keep their group insurance coverage, but the company may drop its employee insurance benefits, cut employees' hours or lay people off. Generally, employee benefits are protected even if the employer files for bankruptcy protection, but employees should contact the administrator of each plan or their union representative to request an explanation of the status of their plan or benefits.Keep track of your pay stubs and other employment records. This information will be important if you need to file for unemployment benefits or sue the company for wrongful termination.

 

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