Army Times, writer and attorney Matthew Tully reported that bankruptcy (he did not mention any difference between filing a Chapter 7 versus a Chapter 13) would affect a servicemember's security clearance. Later in his article, he advised in his article that a bankruptcy would have an impact but then explained that each servicemember's case is examined on a case-by-case basis. Then, he advises that folks with good reasons for money troubles would have those reasons taken into account. "Often, it is not the action (bankruptcy) that hurts an applicant, but the situation surrounding it (running up a credit card tab gambling in Vegas, for example)." My experience differs from Mr. Tully's and I couldn't disagree more with the way the problem was presented.