Reasons to be Denied?

That all depends. Most of those are not reasons for an outright rejection, but the causes behind them could be. For instance, if you are bankrupt because you make so little money that you can't possibly pay for rent and food - let alone the credit card bills that actually forced the bankruptcy, then yes you could be denied. If the agency has reason to believe that the money they send for the child's needs would be diverted to the family's bills, that would cause it too. And a current bankruptcy where the courts are still deciding how any assets would be divided could cause a delay until that was all finished. Lack of a support system could sometimes cause a denial as well. Not usually, but if a person had just moved into the area, knew literally no one, and had never raised a child before, then it would certainly make the worker hesitant. But if you have some friendly neighbors, a stable job around other people with children, or anything like that, then the lack of knowing at this moment who your support would be may not matter so much. And if you're attending therapy for anxiety, the worker would probably need a note from the therapist saying you have no barriers to being a parent. The workers need to know that placing a child with you (or the behaviors the child might have) would not cause you to have a bad emotional reaction. And that if there happened to be a reaction while the child was with you, that it would not be severe enough to impact the child. But if the therapy is in the past, your reactions are small and short, and based on something other than feeling overwhelmed, then it might be fine. The lack of support system coupled with therapy for anxiety might cause a problem - because it means noone to step in and help if your anxiety overwhelms you when you have a child in your care. Good luck!