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Generally a bankruptcy record stay
on your credit record for 10 years while other information
only stays on your credit record for 7 years. We update
the bankruptcy filings daily, so you'll have fresher
data than is available anywhere else. In most cases,
we will deliver the report to your email address at
the same day!
If you are thinking about refinance
and need your own case number, release/discharge date,
creditors list, Advanced
Bankruptcy Report ($49.00 same day delivery)
is the right product for you!
- Case number
- Filling Type (Chapter 7, 11 or 13)
- Filing state/date
- Case status (New, open, discharged,
release, reopen)
- Release/discharge date
- Name of defendant and address
- Attorney's Name, address and phone
number (if available)
- Amount/Liability (if available)
- Court information
Note:
This is a summary of the bankruptcy case. If you need
a creditors list, click here
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| Knowledge
of bankruptcy records: |
Chapter
7, entitled Liquidation, con-templates an orderly,
court-supervised procedure by which a trustee collects
the assets of the debtor's estate, reduces them to cash,
and makes distributions to creditors, subject to the
debtorfs right to retain certain exempt property and
the rights of secured creditors. Because there is usually
little or no nonexempt property in most chapter 7 cases,
there may not be an actual liqui-dation of the debtor's
assets. These cases are called "no-asset cases."
A creditor holding an unsecured claim will get a distribution
from the bank-ruptcy estate only if the case is an asset
case and the creditor files a proof of claim with the
bankruptcy court. In most chapter 7 cases, the debtor
receives a discharge that releases the debtor from personal
liability for cer-tain dischargeable debts. The debtor
normally receives a discharge just a few months after
the petition is filed.
Chapter
11, entitled Reorganization, ordinarily is used
by commercial enter-prises that desire to continue operating
a business and repay creditors concur-rently through
a court-approved plan of reorganization. The chapter
11 debtor has the exclusive right to file a plan of
reorganization for the first 120 days after the order
for relief and must pro-vide creditors with a disclosure
state-ment containing information adequate
Chapter
13, entitled Adjustment of Debts of an Individual
With Regular Income, is designed for an individual debtor
who has a regular source of income. Chapter 13 is often
preferable to chapter 7 because it enables the debtor
to keep a valuable asset, such as a house. It is also
favored because it allows the debtor to propose a “plan” to
repay creditors over time - usually three to five years.
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