Even though the negative stigma that once existed about filing bankruptcy has dramatically improved, many people are still very concerned others will find out if they file bankruptcy. It is completely understandable that you would be worried that your friends, family, co-workers and others may find out that you filed bankruptcy. Filing bankruptcy is a very personal decision that most people make only after a giving it serious thought and trying many other non-bankruptcy alternatives to resolve their debt problem. Like other personal decisions, it is common for debtors to be concerned that others will find out if they file bankruptcy.
Bankruptcies are a Matter of Public Record
Bankruptcy cases are a matter of public record and someone can find a bankruptcy filing if they know where to look; however, it is not as easy to find a bankruptcy case as it is other matters of public record. For example, if you want to find out how much your neighbor paid for his or her home, you can simply go online with your local tax office or property records office to look up that information. On the other hand, if you are concerned that the man living down the road from you committed a crime, you probably can check your local newspapers as many newspapers publish arrests each week.
With a bankruptcy filing, the only place that you can obtain this information is from the bankruptcy court itself or through a credit report (bankruptcies are reported on your credit report). Since you must consent to a person pulling your credit report, it is highly unlikely that anyone will find your bankruptcy filing through your credit report. The bankruptcy court does not print a list of bankruptcy filings on its website like many county and state courts do. Therefore, it is doubtful that anyone will know when you file bankruptcy unless you tell him or her.
Exceptions – When Will People Find Out if You File Bankruptcy?
Every party that you list on your bankruptcy filing will receive a bankruptcy notice when you file bankruptcy. Therefore, all of your creditors will receive a copy of the bankruptcy notice in addition to any other parties in interest that you are required to list on your forms. If you have co-signed debt, you must list the co-debtor on your forms. For example, if your father co-signed a loan for you, then you must list him on your forms and he will receive a copy of the bankruptcy notice. Furthermore, if you owe a domestic support obligation (i.e. child support or alimony), your ex-spouse and/or your child’s parent will receive notice that you filed bankruptcy.
If you have questions about who will know when you file bankruptcy, contact our office and our friendly staff can answer all of your questions about filing a bankruptcy.
Contact an Experienced Mount Holly Bankruptcy Attorney
Personal Approach, Professional Service, Affordable Payment Plans
The Law Office of Travis J. Richards, LLC is a full-service Mount Holly bankruptcy law firm focused on Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, debt consolidation, credit repair, tax liens, student loans and foreclosure. We represent clients in Burlington County and throughout South Jersey.
If you are experiencing financial problems due to debt, contact our office at 609-267-5297 to schedule your free consultation to discuss bankruptcy and non-bankruptcy alternatives. You may also use our convenient online contact form and one of our friendly, professional staff members will contact you to answer your bankruptcy questions and/or schedule a free consultation with Travis J. Richards.
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