COPY OF BANKRUPTCY DISCHARGE LETTER/PAPERS $5

How to Get Copies of Your Bankruptcy Paperwork

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.

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How to Find the Date a Bankruptcy Was Discharged

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Finding your bankruptcy discharge order is the simplest way to find the date your bankruptcy was discharged. When a person files for bankruptcy, they eventually receive a bankruptcy discharge that signifies the end of the process and releases the debtor from personal liability for their debts. All debts involved in the bankruptcy case are no longer legally enforceable. The discharge is a permanent order prohibiting any creditors listed in your bankruptcy petition from making any contact with you or taking any action to collect the discharged debts.

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If you or a loved one is dealing with financial difficulty, bankruptcy may be the answer so you can stop the creditor calls and get back on your financial feet. Contact our office today to learn more about bankruptcy filing. You can call us to arrange for a no obligation consultation or complete the simple form online.

Do you know if your case was electronically filed with the bankruptcy court? If you filed bankruptcy within the past few years, there is a good chance that it was, and for cases that are electronically filed, many of the documents in the case are stored online in the Court's PACER system.

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After you file bankruptcy and after you receive discharge, you may need copies of your paperwork. Lenders, such as mortgage companies, want to review your bankruptcy petition, schedules, and related documents before they issue you new credit. You may also need copies of your discharge to show creditors who want proof of your filing.

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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.

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Request a Copy Later - Copies of a discharge may be obtained using the same process used to obtain copies of any other document filed in a bankruptcy case. For information about obtaining copies of documents, refer to the "See Also" links below.

If you file for a Chapter 7 bankruptcy—typically the option for people with limited income who cannot repay their debts—it usually takes about three to four months after you file your initial bankruptcy petition to receive a discharge order. For Chapter 13 bankruptcies—which require the debtor to enter into a repayment plan to pay back the debts—you receive a discharge order upon completion of the repayment plan. Typically, repayment takes three to five years to complete.

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It's important to keep your bankruptcy discharge copy (or copies) in a safe place. However, life happens - and at some point in time, you may find that you need this document, but for one reason or another, you can't find it.

This page is an additional page sometimes attached to discharge papers and confirms that court has served this order to debtor, attorneys, all creditors listed in the bankruptcy case and related parties informing that debtor under bankruptcy is discharged.


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