How to Get Copies of Your Bankruptcy Paperwork

Bankruptcy discharge papers confirms that court relieves a debtor for any existing legal debt obligation to certain creditors at the time of filing bankruptcy. After bankruptcy discharge it is advised to retain an authentic official bankruptcy court records, dismissal papers, or final decree to prove that your bankruptcy is finished.

If you either lost or misplaced the original discharge order, you can still ask for one from the bankruptcy court that handled your case. To do this, contact the clerk in the court that entered your discharge order. If you need to obtain a certified copy, you usually have to pay an additional fee. If your bankruptcy case is older and archived, the court may charge an additional fee to retrieve your order as it may take more time to locate your case. If all you are looking for is the date and do not need a physical copy of the discharge, a clerk may be willing to simply give you the information without charging a fee.

How to Get Copies of My Bankruptcy Paperwork

A bankruptcy order releases the debtor from personal liability, in other words, the debtor is no longer legally required to pay any debts that are discharged. The discharge is a permanent order prohibiting the creditors of the debtor from taking any form of collection action on discharged debts, including legal action and communications with the debtor, such as telephone calls, letters, and personal contacts.Although a debtor is not personally liable for discharged debts, a valid lien (i.e., a charge upon specific property to secure payment of a debt) that has not been avoided (i.e., made unenforceable) in the bankruptcy case will remain after the bankruptcy case. Therefore, a secured creditor may enforce the lien to recover the property secured by the lien.

The second document you will receive comes after your case is filed with the Bankruptcy Court. This document is called the Notice of Commencement or Notice of Bankruptcy Case. This form is completed by the court and sent electronically and by mail to all parties involved, even your creditors. This form has information about your meeting of creditors date and provides some basic information about your case. You should get a copy of this in the mail. Your attorney might send you one as well.

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This page of explains to creditors that collection of certain debts is now prohibited. It also clarifies that what type of debts are discharges and debts that are not discharged.

Our lender is requiring a copy of our bankruptcy paperwork in order to approve our loan, are you able to provide what they need?Yes, the Complete / Lender Package includes all paperwork that they require.

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If you are concerned about the document retrieval fees that your attorney may charge for this service, ask first! There's a good chance that he or she will provide this service at no charge. However, to avoid any unwelcome surprises, it is a good idea to find out in advance what fees will be charged. If it is more than you are willing to pay, explore your other options (see below) for getting a copy of the bankruptcy discharge.

There are various pieces of paperwork that you will want to hold on to. The first is your Petition and Schedules. These are the documents that list your personal information, creditors, property, and income. Usually you get copies from your attorney after you sign them. Your attorney might also send them to you electronically once your case is filed.

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It bears signature of Judge and 2nd page clarifies debts that are discharged and debts not discharged.

You may send a written request for copies from a Central District of Illinois case file by email or mail to the office where the case was filed. Click here for addresses, phone numbers and email addresses for each office.

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Luckily, there are several ways you can go about replacing your copy of your official bankruptcy discharge. Following are three different methods you can use to obtain one:

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This change applies to all closed bankruptcy, civil, criminal, and court of appeals case files that remain in the legal custody of the courts but are physically stored at NARA's Federal Records Centers.

Which package should I choose?• the Complete / Lender Package includes all bankruptcy documents related to the case: voluntary petition, all schedules, creditors, amounts, orders on all motions, the bankruptcy discharge order and any reaffirmation agreements and final decrees. It includes everything a lender requires for mortgage approval.• the Discharge / Schedules Package includes schedules D, E, F, and the discharge and/or dismissal order. It includes all creditors and amounts in the case. This package should be ordered to assist in credit repair and to stop collection agency harassment.• the Discharge / Dismissal Package includes the Discharge and/or Dismissal paperwork. It does not include a list of creditors that were discharged in the case nor the amounts. It is typically required for apartment rental applications, auto loans and some job applications.