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| Complete Bankruptcy File | $30 |
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| All your Official Bankruptcy Records and your Discharge – along with your Docket Report for faster mortgage approval. | |
| Bankruptcy Discharge Papers | $10 |
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| Get your Official Federal Bankruptcy Discharge Papers (or Dismissal) emailed to you within 1 business hour. | |
| Schedules Package & Discharge | $25 |
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| Includes your List of Creditors and original Schedules (A to J), Voluntary Petition, and your Discharge or Dismissal. | |
| Bankruptcy Docket Report | $10 |
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| The Bankruptcy Court’s Official Index of all records in your case, with the total page count, and court filing information. | |
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Bankruptcy Records
Have Questions? Call Our Support Staff For Assistance At: 800-650-5002
Bankruptcy is a last resort for many people who have financial problems. Before a person takes this very serious step to solve financial problems, it’s important to first understand all the consequences, including the time that a filing stays on your credit report.
When someone files for bankruptcy, he declares that he cannot officially manage his debts. Bankruptcy proceedings that are instituted in court legally release the person from all or some of their indebted obligations. In other cases, the applicant can organize a reduced payment program. An individual has several different bankruptcy filing options, including Chapters 7, 11, 12 and 13 depending on different circumstances.
If a consumer files for bankruptcy, he will automatically have it in his credit report and it is public record. A Chapter 13 bankruptcy filing from will remain in the person's report for seven years, while the filings of Chapters 7, 11 and 12 will be 10 years. Chapter 13 has a shorter duration because the individual has agreed to pay some debt over time.
It is very difficult for a person to be granted credit as long as the bankruptcy is on their credit report. One of the first questions asked in many loan applications is "Have you filed for bankruptcy within X years?" A yes to this question in addition to the credit check may lead to rejection by the creditor. A person who has declared bankruptcy must be prepared to live with cash until the filing drops from their credit report. However, there are steps a person can take to re-establish credit more rapidly after filing for bankruptcy.
Before the bankruptcy is decided on, a consumer must consider all alternatives. The most logical step may be contacting a credit counselor. Nonprofit credit counselors advise consumers on how to change their budgets and restructure debt at more manageable levels. The consultant can also help the consumer to initiate a debt management plan that consolidates their payments into one loan with one, typically smaller payment.
This article is for informational purposes only and should not be construed as legal advice. Consult with a licensed bankruptcy attorney if you are considering bankruptcy, or other competent counsel before pursuing the subject matter of this article. Collection laws vary from state to state.
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