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

Friday, November 2, 2012

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.

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.

Tuesday, October 25, 2011

Where to get bankruptcy records free?


Are you searching online for bankruptcy records for free? Are there any free bankruptcy records available online you can use without spending a money?

It will be hard to believe but it is true. that there is no such thing as "free bankruptcy records". There are sites that say it's free but when you want to access them it is not.

Yes, you can obtain copy of bankruptcy records at lowest cost on net from from various service providers. We did find two lowest cost service providers for you.

1. www.bankruptcylive.com
2. www.recordsbankruptcy.com
3. www.recordsuscourts.com

One thing is for sure that bankruptcy records are not free.But you can save cost and time of visiting court house.







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.

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