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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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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.

You can use the federal judiciary's service, or any number of websites that allow anyone to retri…

Why bankruptcy discharge records are important?

Bankruptcy records include your bankruptcy complete file (Voluntary petition) including creditor’s listing, reaffirmation agreement (apply case to case basis), and bankruptcy discharge order.

Bankruptcy discharge order is an order of the bankruptcy judge relieving, the bankruptcy filer, of further liability for certain debts to ease financial burden. Once a bankruptcy is filed it generally takes approximately 4 to 5 months to receive discharge. When a bankruptcy is discharged, the filer is no longer legally liable for old debts included in bankruptcy filing.

Bankruptcy records will certainly help you to start a happy and vibrant life. With the discharge of your bankruptcy, you need it to confirm old creditors the end of your bankruptcy and for new lenders to establish new credit. So for this very purpose you require a copy of your personal bankruptcy records, your discharge order in particular.

You need these papers for number of purposes in the years following the completion of your c…

What is bankruptcy discharge and how does it help me?

What is bankruptcy discharge and how does it help me?

Debtors are usually able to discharge most or all of their debts. Once a debt is discharged, a creditor may not attempt to collect it from the debtor.

Do not have a copy of your bankruptcy discharge papers from the court? No problems, you can possess an exact copy of the original bankruptcy documents is readily available and you can have it in your possession within minutes of your order. Besides that, receiving bankruptcy discharge order will free you from your creditors. There are various services offer to retrieve copy of discharge papers, list of creditors, bankruptcy schedules,and complete bankruptcy papers.