Is Personal Bankruptcy Filing Made Public?
Are you considering filing for bankruptcy protection, but concerned neighbors may read about it in the paper or on the internet? Bankruptcy filings are public record but the fact that you filed is not something that is easily obtained by the general public. There is a public access system known as PACER which contains information regarding all federal court filings in the United States. To gain access to that system you must register and pay per page for each document you obtain. Pacer is more or less used for bankruptcy professionals, lenders, and others who have direct need to look up prior bankruptcy cases in detail.
The fact that you filed bankruptcy will appear on a credit report for up to 10 years. Therefore, if you apply for a job, rent an apartment, or apply for credit, those obtaining your credit report with your consent will become aware of your bankruptcy filing. Additionally, in certain applications there may be questions concerning whether or not you have ever filed a bankruptcy before.
For the most part, the fact that you filed for personal bankruptcy will be known by just you and the others you inform. When you file for either Chapter 7 or Chapter 13 bankruptcy, you are required to list all of the people to whom you owe money. If you owe a family member or a friend or anyone else, that person’s name and address must be listed on your petition.
What kind of relief are you obtaining? Are you saving your home from foreclosure? Are you stopping a wage garnishment that’s taking 25% of your pay? Are you getting a drivers license that is currently suspended due to reinstatement fees? Are you unable to make ends meet because of your debt commitments? The psychological relief our clients receive from riding themselves of debt is usually great.
Since 1992, Keegan & Company Attorneys has helped thousands of people protect their assets and gain freedom from overwhelming debt. Call 513-752-3900 to schedule a free consultation with an experienced attorney. We have 2 convenient locations: Eastgate, Ohio and Middletown, Ohio. We offer fair fees, expert advise, and flexible appointment times.