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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 are several good ones. The cost is minimal and you can usually get them back via email within a couple of hours. The one I have used in the past is www.bankruptcylive.com.  They are super fast in retrieving and sending records by email, friendly and cheapest service provider online.

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Who has access to my bankruptcy case file?

As bankruptcy cases are considered public records, any individual or business can review, demand, order your bankruptcy case file. No Worries, No sensitive personal information is released to 3rd parties but they will learn the particulars regarding your bankruptcy case. Knowing the bankruptcy case number, assigned by the bankruptcy court, one will always get your the data from any regular source for any individual or business.  

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.

How To Obtain Bankruptcy Discharge Papers for Free

How do I get the information on what is being paid to each creditor, after bankruptcy discharge? How do I get local records from federal court for dismissed bankruptcy judgements? I searched my paper work I searched online I want to know this info as it occurs so that I can keep track. This is info we are supposed to have access to, not on the state bankruptcy site or public records sites.