How to Find the Date a Bankruptcy Was Discharged | legalzoom.com

The National Archives does not keep all bankruptcy cases. When you submit a request for records from the FRC, you will be informed if the case is still available.

For additional information, visit the PACER website (https://www.pacer.uscourts.gov) for instructions on how to sign up for PACER and the costs of downloading court documents.

How to Find the Date a Bankruptcy Was Discharged

If you are comfortable working with computers, you can set up a PACER account from the comfort of your home office, and download a bankruptcy discharge copy for a small fee (currently $0.08 per page).

Many people want to get a copy of their bankruptcy discharge papers and other bankruptcy paperwork, and there are many reasons why. Perhaps you need your complete bankruptcy file for your records, or you’re looking to apply for a new job and require a copy of your discharge papers. Often a debtor will need access to their bankruptcy records to correct their credit report after their case is discharged.

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It is not unusual to see services online that offer to send you your discharge documents for a fee, sometimes as high as $40 or more. These services are often not reputable and you may never get your documents. Try to avoid using such services and obtain your documents through the court clerk or PACER to be sure you are not the victim of a scam.

If many years have passed since your bankruptcy filing, the case could have been archived. If so, the costs might be slightly higher. A copy of the bankruptcy records may require an application fee.

Obtain Copies from the Federal Records Center

A debtor will want to maintain proof of their bankruptcy filing if a credit seeks to collect on an unsecured debt after the bankruptcy is completed.

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Copy Sent By Clerk's Office: The Clerk's Office will mail a copy of the discharge to the debtor, the case trustee, and all creditors. The discharge will be mailed to the addresses shown in the debtor's list of creditors or in the schedules, whichever is filed later.

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PACER, or "Public Access to Court Electronic Records," is an electronic database accessible to the public that provides information about all cases filed in federal courts, including bankruptcy courts. You can use PACER to find your discharge order.

Your bankruptcy discharge order gives you the confirmation that your case is now closed and all of the debts included are non-enforceable. As a result, creditors listed in the bankruptcy petition can no longer contact you about your debts or file an action against you for collection.

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The valid lien on properties that a bankruptcy filing has not cleared in this matter will remain effective after bankruptcy litigation. A secured creditor must enforce the lien to recover the possession of the property subject to the lien.

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