01. Bankruptcy Records
The most important bankruptcy discharge record in actual is discharge order issued by bankruptcy judge. This official order of the court contained in bankruptcy discharge papers relieves the debtor from all existing liabilities / debts listed in the bankruptcy petition filed.
It bears signature of Judge and 2nd page clarifies debts that are discharged and debts not discharged.
02. Explanation of Bankruptcy Discharge Order
This page of explains to creditors that collection of certain debts is now prohibited. It also clarifies that what type of debts are discharges and debts that are not discharged.
03. Certificate of Service
This page is an additional page sometimes attached to discharge papers and confirms that court has served this order to debtor, attorneys, all creditors listed in the bankruptcy case and related parties informing that debtor under bankruptcy is discharged.
Why you need an official authentic bankruptcy records:
1. To apply for new loans or credits
2. To apply for fresh mortgage
3. To update your credit report
A bankruptcy order releases the debtor from personal liability, in other words, the debtor is no longer legally required to pay any debts that are discharged.
The discharge is a permanent order prohibiting the creditors of the debtor from taking any form of collection action on discharged debts, including legal action and communications with the debtor, such as telephone calls, letters, and personal contacts.
Although a debtor is not personally liable for discharged debts, a valid lien (i.e., a charge upon specific property to secure payment of a debt) that has not been avoided (i.e., made unenforceable) in the bankruptcy case will remain after the bankruptcy case. Therefore, a secured creditor may enforce the lien to recover the property secured by the lien.
You will get bankruptcy discharge papers by email within 1 to 6 hours same day depending upon the volumes.
You need to take the next step to how to get your bankruptcy records OR court discharge papers, dismissal, or final decree.
ORDER NOW to prove that your bankruptcy case is finished.