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It is Relatively Easy to Replace a Lost Copy of Your Bankruptcy Discharge Record

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It is a good idea to keep a copy of all of your bankruptcy case-related documents, particularly your discharge paperwork. However, if you lose it, it may be replaced.

When the bankruptcy process is concluded, the debtor is released from liability on a variety of debts. When the court determines the debtor has fulfilled all of his or her obligations in filing for bankruptcy protection, the discharge order is entered by the court and the debtor gets a copy of his or her discharge papers in the mail. It is wise to keep your copy of these documents.  Your Iowa bankruptcy lawyer will remind you of the importance of keeping these kinds of documents throughout your bankruptcy filing.

Remembering to keep original bankruptcy discharge papers is routine for some debtors and more difficult for others. Managing and organizing court-related documents is not something most debtors do on a regular basis. If you are a debtor who has lost your bankruptcy discharge papers, you may obtain another copy in one of three ways.  The first way to obtain copies of case-related documents is to contact your Iowa bankruptcy lawyer to see if he or she has an extra copy of the document you are seeking in the office file. 

Your second option is to contact the court where your bankruptcy petition was filed. If you want to do this in person, contact the clerk of the bankruptcy court where your bankruptcy case was filed and discharged. If you are not certain which court you need to contact, you can ask your Iowa bankruptcy attorney or search online using the PACER system. If you choose to search online, you may need to pay a fee for the clerk to search and certify your papers and have them sent to you in the mail, or you may opt to pick them up in person.

Your third option in seeking a copy of your bankruptcy case-related court documents is to go online and access the Federal Courts PACER system. The PACER system allows individuals to create a free user account prior to searching for a copy bankruptcy case-related documents, including the petition or the discharge papers. If the information is located in the database, you then have to indicate how you will pay the per-page fee in order for the information to download to your computer. If you are not the debtor listed in the document you want, you are still able to obtain a copy of any public record bankruptcy papers by speaking to the bankruptcy court clerk where you filed your bankruptcy papers.

Kevin Ahrenholz is an Iowa bankruptcy lawyer and Iowa bankruptcy attorney. To contact him, visit http://www.iowachapter7.com or call 1.877.888.1766.

Posted on Wednesday, July 18th, 2012 and filed under News and Press | Comments Off on It is Relatively Easy to Replace a Lost Copy of Your Bankruptcy Discharge Record .
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For the Best Service, Credit Counselors Should Work Just for You

Posted by: Admin User

For credit counseling, choose a counselor that works only for you, not a third party. 

If you are going to credit counseling as a result of filing for bankruptcy protection, you need to choose an independent individual who will be working for you, and who has no affiliations with banks or other lending institutions. You might wonder how you would do that or how would you compare them? 

The first thing you need to determine is who is responsible for paying them. Do they work for you? Do they work for the bank where you have a loan? Do they work for a credit card company? The answers to these questions are important, mainly because you want someone that is 100 percent advocating for you as opposed to someone who is working on behalf of the people that loaned you money. 

Good, independent choices for credit counseling may run the gamut from an attorney that specializes in that area to an accountant with extensive experience in dealing with bankruptcies. It could also be an individual who may work for a credit reporting company, or a business that helps people work through their financial issues. If at any time you are uncertain about how to find a credit counselor that is not affiliated with a lending institution, ask your Iowa bankruptcy lawyer for suggestions. 

If you discover that the person or company you want to deal with has ties to a lending institution, bank, credit union, or credit card company, then you can expect they are not working in your favor. They may look like they offer good service and advice, and in fact may do a good job, but their real reason for helping you is likely to get as much money back from you as possible. They may even be free, which is tempting when you have very little money to go around. 

Opt for the independent credit counselors, whose only job is to help you deal with the difficult situation you find yourself in. At any point during the process of filing for bankruptcy protection, it is smart to keep asking questions about what is happening, what is next, what documents are required, and what to expect when things are said and done. Your Iowa bankruptcy attorney will guide you step-by-step through the maze of rules and regulations. You just have to ask for help. 

Kevin Ahrenholz is an Iowa bankruptcy lawyer and Iowa bankruptcy attorney. To contact him, visit http://www.iowachapter7.com or call 1.877.888.1766.

Posted on Sunday, July 1st, 2012 and filed under News and Press | Comments Off on For the Best Service, Credit Counselors Should Work Just for You .
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