Showing posts with label Bankruptcy. Show all posts
Showing posts with label Bankruptcy. Show all posts

Monday, June 4, 2012

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.

Sunday, February 26, 2012

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.

Friday, August 12, 2011

Looking for Bankruptcy Records - Florida

Are you looking for Bankruptcy records? Do you know bankruptcy records are public records and still can’t seem to find them?

You’re in luck, because public records in all 50 states of America are easier to find than you think!

This is because of the famous “Sunshine” law that mandates all government proceedings conducted in the states be open to the public.

The people of America have made it clear that they believe they have a right to know what their government is doing, and the government has responded accordingly.

The Sunshine law means that all government meetings are open to the public, and can be recorded by any citizen in a non-disruptive manner. It also means that records generated by the government are open for public inspection, with very few exceptions (records involving minors and sexual assault victims are generally sealed, and birth certificates are only available to the person whose name is on the certificate or to that person’s parents until 100 years after the birth).

The Sunshine law applies to local, county, and state governments. As such, it’s easy to look up public records on nearly anyone who has lived in Florida within the past two decades.

Some Florida counties even have public records going back into the mid to late 1800′s! While Pinellas public records and Miami public records are among the most searched record sources in the state (because so many people live in these counties), most counties in Florida have requests for public records at least daily.

You can save a LOT of time looking for Florida public records, including the popular Pinellas public records and Miami public records, by subscribing to a record finding service. As the demand for public records in Florida grows, so do subscriptions to record finding services. Let’s face it, everyone wants to know something about someone. People who are dating someone new for the first time are some of the biggest consumers of these records, as they want to know who they’re letting into their lives. But lots of other people want public records for many different reasons.

Saturday, April 30, 2011

How often can I file for bankruptcy?

Chapter 7: If the you obtained a discharge in (a) a Chapter 7 case filed within the past 8 years, you cannot obtain a discharge in a Chapter 7 case. After 8th year you can file.

Chapter13: If a Chapter 13 case filed within the past 6 years and discharged. After 6th year you can file.

How do I know when time period ( 8 years / 6 years) is completed to file?
The time periods in either case are measured from the commencement dates of the respective cases. The dates of discharge is not relevant for this purpose.

Thursday, March 10, 2011

Obtain court records for In-depth Information

Thanks to the Internet, it’s more than possible for anyone who wants to get their hands on county court records to do so. Whether they’re proceedings within the state a person resides in or from one a thousand miles a way, online tools make getting court proceedings records very simple.

There are even programs out there that can aid in the process of finding, requesting and obtaining court records from a number of different jurisdictions. These programs can help anyone with the right information get their hands on documents they need to make important decisions about hiring, credit or even dating.

Anyone who is looking into getting their hands on court records does need to know some documents might just not be open to public scrutiny and others will be more difficult to get online depending on the state involved.

In general, these types of court activity records are available through online services:

– Criminal records: Records for criminal proceedings are almost always available for public viewing once a case is closed. This can include everything from findings and sentencing reports to transcripts of the actual hearings themselves.

The only time these records will not be open is in the case of juveniles or for those who have had special proceedings. Also, in the case of rape proceedings, victims’ names might be withheld in documents released by the courts.

- Bankruptcy records: Whether these are for corporations or private residents, these records typically are open. The actual findings and creditors will be listed, but personal information such as Social Security numbers will generally not be available.

- Divorce proceedings: Here and again personal information, especially about minors, might not be fully open to the public, but findings generally will be.

- Civil proceedings: Almost without exception these records and their transcripts will be available for people to pull and see when the cases are closed by the courts. Whether it’s a wrongful death suit or a suit against a company, records can generally be had online.

- Grand jury proceedings: These records are very often closed and transcripts are not even available until such time as the court deems it acceptable to release information. The records of actual findings and rulings might be more readily accessible.

Getting court records online with the help of programs that are designed to speed up the inquiry process is more than doable. These records typically are considered public knowledge and are available for anyone to look at and digest.

Obtaining public records and court records will vary from state to state in the ease that they can be pulled. This is where these programs can come in handy by ensuring the proper requests are filed for documentation.

Legal proceedings records can be very valuable tools in helping people make major decisions about such things as hiring, dating and extending credit. The records that are attainable will, however, vary on the state and the disposition of the case. Thanks to the Internet the process of getting these records is much more easy to traverse.

Protect yourself and your business with easy access to court records. Get Bankruptcy records before entering into any new venture or association.

Tuesday, October 26, 2010

What Is Bankruptcy Record?

What Is Bankruptcy Record?

Declaring bankruptcy is not an easy decision. Once you declare yourself bankrupt, it will be recorded and it might affect you in many things in future, including doing business, getting loans and even impression. But sometimes you cannot stand the pressure from your creditors that keep asking for the debt and at the same time you do not have the cash to repay them, bankruptcy is the only solution. Filing bankruptcy will relief you from these harsh situations and as mentioned earlier, there will be a record of it.

This record will have most of your personal information. It tells the people your real name and where you belong. Besides that, this record will also reveal your social security number and credit accounts that you are in debt with. In addition to that, the amount of debt and your total assets will be exposed as well. Whether your assets are in lien or not, this record will tell the people as well.

Bankruptcy records contain very detail information about someone and it is really a good way to find out about the particular person. You can actually order bankruptcy records online and through other sources with proper procedures. It is indeed important especially to those who are involved in business field.

To check bankruptcy records of your client is obviously important. Who wants to deal with people that have bankruptcy records? Perhaps that particular client's debt is not that much after all and it will not be that risky dealing with him or her. By viewing their records, you can make your own decision or even with your shareholders if it is a good idea to deal with them.

It is important to check if your future business partner has bankruptcy records. Some people talk as if they are really a good businessman but they might just be telling lies and have bankruptcy records. Through his record, you can see their actually financial status and you can decide whether it is safe to form partnership with them.


Dennis enjoys writing and sharing articles on topics like lookup bankruptcy records. Visit for more details.



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Sunday, August 15, 2010

What is a Bankruptcy Discharge?



The beginning of your fresh start  with Bankruptcy Discharge.

Discharge in bankruptcy can be looked upon as a new beginning in your financial life because when you obtain your discharge, you are free from the debt under the bankruptcy plan. In other words, discharge in bankruptcy is a permanent court order releasing you the debtor, from personal liability for certain specified types of debts. The order prohibits creditors from initiating collection action on any discharged debts, including legal action or communication with the debtor, such as telephone calls, letters, or personal contacts.

Debts excluded from discharge are valid liens against specific property, wherein a secured creditor may enforce a lien to recover the property secured by the lien. Other debts unenforceable under discharge are student loans or the IRS.

Refinancing after bankruptcy with an experienced bankruptcy lender can aid immensely in paying off residual debts that were excluded from discharge. This action accelerates rebuilding credit after bankruptcy and restores your credit score to a more appropriate level.

When does the “Discharge” occur?

How and when you get a discharge depends on the type of bankruptcy you filed: Chapter 7, Chapter 11, or Chapter 13.

Chapters 7 and 11,

Under a Chapter 7 or 11 bankruptcy, a discharge occurs after the court process has reconciled a settlement of all assets and debts. Typically, a Chapter 7 or 11 bankruptcy is discharged about three to four months after the file date with the bankruptcy court.

Chapter 13
Under a Chapter 13 bankruptcy, you agreed to pay off certain debt over a time period of 3-5 years. Once you have completed the payment plan, the court will issue you a formal discharge document that confirms you have fulfilled the plan and are free from the debt.

If you own a home and have enough equity in your property, you can do a Chapter 13 refinance and pay off the plan early with no penalties by the court. This action will enable you to obtain a full discharge from the debt and begin rebuilding your damaged credit right away, instead of waiting to complete the extended payment plan. In addition, your total payments will be less after a Chapter 13 refinance.

Summary
The good news is that once the court issues your discharge in bankruptcy, you have a great opportunity to repair and reestablish your credit. You are now viewed by certain lenders as a good risk and your options for getting a mortgage after bankruptcy are greatly improved. Always protect yourself by dealing only with a qualified bankruptcy lender.

Filing a bankruptcy protects you from your creditors and stops all collection activity against you. It also prevents a creditor from getting an advantage over your other creditors. Your creditors do not have the option to “opt”out of your bankruptcy. A normal creditor cannot simply decide that their debt will not be included in your bankruptcy. Your bankruptcy will end, and your debts will be officially eliminated, when you receive a bankruptcy discharge order