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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