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What is bankruptcy discharge order?


The bankruptcy discharge order is an order issued by the court judge and it permanently prohibits creditors from taking action to collect dischargeable / discharged debts against the debtor personally;  this does not prevent secured creditors from seizing collateral if payments are not kept up, or other creditors from pursuing property of the estate.

The granting of a discharge does not automatically result in the closing of a case.  All contested matters, adversary proceedings, and appeals must be resolved and the appointed trustee or debtor-in-possession must file a final report and account and request entry of a final decree before the Clerk's Office will close the case.
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Bankruptcy records are public records

Bankruptcy court records are public documents. Bankruptcy pubic records are not covered by any privacy regulations, federal or state. No sensitive personal information is released to 3rd parties but they will learn the particulars regarding your bankruptcy case.

If you want to search for and/or receive bankruptcy records, there are a few ways to search for the information. Knowing the bankruptcy case number, assigned by the bankruptcy court, will always get you the data you want from any regular source.

Many databases will allow you to just enter the name of the individual or company to retrieve these records.

If someone wants to learn if you have previously been discharged, they can search bankruptcy filings to retrieve that information. You can know about discharge and retrieve information related to type of loans and creditor discharged, when was bankruptcy filed and discharged.

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Jacksonville bankruptcy filings at slowest pace since 2008

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Filings peaked in 2010 and have been dropping since.

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Life After Bankruptcy and Importance of Bankruptcy Records

Why you need copy of bankruptcy records? Bankruptcy filer typically request a copy of their bankruptcy petition,  discharge and/or final decree when they are applying for a new loan or refinancing.  Creditors / Lenders want to see the petition to see what was included in the bankruptcy.  They want to see the bankruptcy discharge to make sure that the applicant has finished his/her bankruptcy case and applicant don’t owe the debts anymore.  This apply to all bankruptcy cases either Chapter 7 or Chapter 13 cases filed. If you lost your bankruptcy discharge papers and you need copies of your bankruptcy documents?

How do you get another copy of bankruptcy records? At first place it is advised to contact your attorney. If your attorney is not reachable then contact the clerk or administrator of the court where the bankruptcy was discharged for your records. Or if your in a hurry you can go to one of the online retrieval services if you live out of the state you filed in. There…
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