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1. Are bankruptcy documents needed by lenders?
You should order a complete bankruptcy records package if financing, or refinancing a home. Mortgage lenders do require proof of bankruptcy records filings. Schedules, list of creditors and/or your discharge record might not be enough for some lenders. Reaffirmation agreements will be included in the complete bankruptcy file. The bankruptcy copies requirements needed will be indicated by your lender.
2. Is my Social Security Number displayed on my bankruptcy records documentation?
The Social Security Number has been blacked out and only the last four digits are available for authentication.
3. How soon can I expect to receive my Bankruptcy Records Document orders?
Your documentation is retrieved on the same day that you place your order usually within 2 hours. Any archived documentation retrieved from the courts will take 3-10 days to retrieve. Bankruptcy record files will have been destroyed if 25 years or more.
4. Can documents be opened for viewing.
No. Bankruptcy Record documents cannot be opened just to view and verify information. We will not open schedules to check if a creditor is listed on the bankruptcy. We will not check to see if there is a discharge yet if a case is just recently filed.
5. Who can access to my bankruptcy records information?
Creditors named in your bankruptcy, mortgage brokers, lawyers, lending institutions or anyone with the authority to check your credit can be accessed by them.
6. How do I clean up my credit and credit rating after filing for bankruptcy. What documentation do I need?
You probably need your entire bankruptcy records file. In order to dispute any discrepancies you should have all documentation to back it up. You will need to provide proof to credit reporting agencies and past creditors.
7.Bankruptcy record cases more than 7 years ago. Will I need my paperwork in order to apply for credit?
If you filed a Chapter 7 bankruptcy it will show on credit reports for ten (10) years after the discharge date (not the filing date). Chapter 13 bankruptcy will stay on for seven (7) years. This is also from discharge date not filing date. When applying for credit with a lender they will tell you what schedules you need or just your discharge or perhaps the entire file. It is up to the lender.
8. Can I e-mail and see if my bankruptcy is available if I might need it.
Yes, you can e-mail us. We will give you availability and if archived. We will also give you the fee to retrieve and estimated time of e-mailing you back.
9. I am being harassed by debt collectors in regards to creditors I put on my bankruptcy. How can I stop this?
You should send a copy of your schedules and your discharge to all the creditors who are still contacting you. It is advised you do the following:
File a complaint with the Federal Trade Commission. There is a website with easy instructions on how to do this. It is against the law to pursue a debt that was placed on your bankruptcy and was discharged. For further information: http://www.consumer.ftc.gov/articles/0149-debt-collection
10. What will I get if I order my Bankruptcy Discharge?
You will receive a copy of your discharge or dismissal, or other document that is applicable.
11. What is your refund policy?
All sales are final with no refund if it has already been e-mailed, mailed or ordered from the archives. If a case is still open and no discharge yet, you will be refunded. When ordering the schedules or complete bankruptcy records and no discharge/dismissal yet you will be asked if you still want documents available. If yes, then we will send all available bankruptcy documents.
12. What are the page limit fees?
Any case exceeding 50 pages is subject to additional fee. The additional fee over 50 page limit is .30 cents per page.
13. A complete bankruptcy package consists of what documents?
You will receive all documents included in your bankruptcy. You will not receive BNC mailings (duplicate copies mailed out) or relief from stay exhibits, or mortgage papers.
14. Where are old bankruptcy cases filed?
They are stored at the http://www.archives.gov/research/court-records/bankruptcy.html
This policy was last modified on January 21, 2013. We value you as a site visitor and we are committed to maintaining your privacy and securing any information you may provide through our site.
Information We Collect
When using our online services, we ask you to enter your full name, court case number or last 4 numbers of your Social Security number, e-mail address and other identifying information. However, visitors may visit our site and browse our content anonymously without registering or entering any personal information of any kind. This information is solely for the purpose of the retrieval of the bankruptcy documents you are requesting from us, as well as information necessary to contact you reqarding your order. We don’t rent, sell or distribute any of your personal information to third parties. We only retain the the conent of your your email messages and your e-mail address, as well as any correspondence between you and our company for internal records for 90 days. After 90 days, all emails are deleted.
How We Use Your Information
Any of the information we collect from you may be used in one of the following ways:
· To facilitate or expedite transactions initiated by our users, such as to complete a secure purchase.
· To personalize your experience on our website. Your information helps us to better respond to your individual needs.
· To improve our website. We continually strive to improve our website offerings based on the information and feedback we receive from our visitors.
· To improve customer service. Your information helps us to more effectively respond to your customer service requests and support needs.
· To send periodic emails. The email address you provide for order processing will only be used to send you system emails, though at future dates, it may also be used to send you relevant information and updates pertaining to your order.
How to modify or delete this personal information or opt-out
Our site does not require registration, therefore there is no need to opt out, modify or delete your information with us.
How BankruptcyCourtRecords.com Protects Your Online Privacy
We implement a variety of security measures to maintain the safety of your online privacy when you enter, submit, or access your personal information online. All monetary transactions and purchases are completed through a secure, encrypted server.
BankruptcyCourtRecords.com does not sell, trade, or otherwise transfer to outside parties your personally identifiable information. We may, as an exception, release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect our legal rights, property, or safety, or the rights and safety of others. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses, such as general site statistics and visitor counts.
Privacy and Third-Party Links
Occasionally, at our discretion, we may include links to third-party products or services on our website. These third-party sites have privacy policies that are separate and independent of the policies of the BankruptcyCourtRecords.com website. Neither Us-bankruptcy-records.com nor any of its representatives can accept responsibility or liability for the content and activities of third-party websites. Nevertheless, we seek to protect the integrity of our site by linking to reputable sources only, and welcome any feedback about these sites.
The Use of PayPal
Us-bankruptcy-records.com exclusively uses PayPal at this time to complete all online transactions. PayPal is a third-party service provider whose policies and practices we cannot, without exception, be liable for, we strongly recommend that you familiarize yourself with the PayPal privacy statement, found here: https://cms.paypal.com/cgi-bin/marketingweb?cmd=_render-content&content_ID=ua/Privacy_full&locale.x=en_US
California Online Privacy Protection Act Compliance
Because we value your privacy, we have taken the necessary precautions to comply with the California Online Privacy Protection Act. We therefore will not distribute your personal information to any outside parties without your consent.
Children’s Online Privacy Protection Act Compliance (COPPA)
The Us-bankruptcy-records.com website is in full compliance with the requirements of COPPA (Children’s Online Privacy Protection Act). We do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 18 years old or older.
Bankruptcy Public Record Information
We don’t open documents to confirm the content of the bankruptcy. And please remember that bankruptcy records are public records, and therefore may be requested by anyone.
Questions or Concerns
This policy was last modified on January 21, 2013