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How To Get A Copy Of My Bankruptcy Discharge Letter

May The Debtor Pay A Discharged Debt After The Bankruptcy Case Has Been Concluded

how can i get a copy of my chapter 13 discharge

A debtor who has received a discharge may voluntarily repay any discharged debt. A debtor may repay a discharged debt even though it can no longer be legally enforced. Sometimes a debtor agrees to repay a debt because it is owed to a family member or because it represents an obligation to an individual for whom the debtor’s reputation is important, such as a family doctor.

Bankruptcy Discharge Certificate Canada: What If My Creditors Still Contact Me And Try To Get Me To Pay Them

If the creditors are consistently calling you and demanding settlement, supply them with a duplicate of your bankruptcy discharge certificate Canada. If the creditor states they were not aware of your bankruptcy, also offer them a duplicate of your sworn statement of affairs revealing them listed as a creditor.

If they are listed, then the Trustee sent them a notice of bankruptcy including a form 31 proof of claim to complete and return to the Trustee.

Importance Of Keeping Your Bankruptcy Court Records

Once you are done with a bankruptcy case, it’s very important that you keep a copy of your records in your file. These records contain the details of your bankruptcy filing and a discharge document that marks the completion of your case. Once you file bankruptcy it becomes a public record and remains on your record for about 8-10 years. As such, when you try to get a car loan, mortgage, refinance, other type of loan, the lender will ask you for a copy of your bankruptcy records. When renting an apartment or applying for a job, you may also be asked for the bankruptcy paperwork. Your application may not be processed until this information has been provided. It’s also important to keep a copy of your bankruptcy records on file so you can review them for accuracy. You’ll want to make sure there are no omissions on your bankruptcy filing. By reviewing your full bankruptcy case file, you’ll have the peace of mind that all of your debt was included.We make it very convenient for you to obtain the bankruptcy records online. This will save you a trip to the bankruptcy court.

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Are All Of The Debtor’s Debts Discharged Or Only Some

Not all debts are discharged. The debts discharged vary under each chapter of the Bankruptcy Code. Section 523 of the Code specifically excepts various categories of debts from the discharge granted to individual debtors. Therefore, the debtor must still repay those debts after bankruptcy. Congress has determined that these types of debts are not dischargeable for public policy reasons .

There are 19 categories of debt excepted from discharge under chapters 7, 11, and 12. A more limited list of exceptions applies to cases under chapter 13.

Generally speaking, the exceptions to discharge apply automatically if the language prescribed by section 523 applies. The most common types of nondischargeable debts are certain types of tax claims, debts not set forth by the debtor on the lists and schedules the debtor must file with the court, debts for spousal or child support or alimony, debts for willful and malicious injuries to person or property, debts to governmental units for fines and penalties, debts for most government funded or guaranteed educational loans or benefit overpayments, debts for personal injury caused by the debtor’s operation of a motor vehicle while intoxicated, debts owed to certain tax-advantaged retirement plans, and debts for certain condominium or cooperative housing fees.

Get A Discharge Certificate

How long it take to get my bankruptcy discharge paper?

The confirmation of discharge letter provided by the Insolvency Service simply confirms the recorded date you were discharged. If you want a Certificate of Discharge you will have to make a formal application.

You will need to use form LOC013. Once completed this form must be sent together with a fee for £70 to the local County Court which dealt with your bankruptcy.

Your payment should by Cheque or Postal Order made payable to HMCTS. You will normally receive your Certificate within three to four weeks of the Court office receiving your application.

If you were made bankrupt at the Royal Courts of Justice in the High Court then you should make your application to the High Court at the Rolls Building. If you were made bankrupt at the Royal Courts of Justice in the County Court then you should make your application to the Central London County Court sitting at the Thomas More Building.

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How Can The Debtor Obtain Another Copy Of The Discharge Order

If the debtor loses or misplaces the discharge order, another copy can be obtained by contacting the clerk of the bankruptcy court that entered the order. The clerk will charge a fee for searching the court records and there will be additional fees for making and certifying copies. If the case has been closed and archived there will also be a retrieval fee, and obtaining the copy will take longer.

The discharge order may be available electronically. The PACER system provides the public with electronic access to selected case information through a personal computer located in many clerk’s offices. The debtor can also access PACER. Users must set up an account to acquire access to PACER, and must pay a per-page fee to download and copy documents filed electronically.

Types Of Bankruptcy Filings

Chapter 7: Liquidation

Chapter 7 is designed for individuals and businesses experiencing financial difficulty that do not have the ability to pay their existing debts. Under Chapter 7 a trustee takes possession of all of your property. You may claim certain property as exempt under governing law. A bankruptcy trustee then liquidates all non-exempt property and uses the proceeds to pay your creditors according to a distribution scheme required by the Bankruptcy Code.

The main purpose of filing a Chapter 7 case is to obtain a discharge of your existing debts. A bankruptcy discharge is a court order releasing you from liability for many types of debts. If, however, you are found to have committed certain kinds of improper conduct described in the Bankruptcy Code, your discharge may be denied by the court and the purpose for which you filed the bankruptcy petition will be defeated.

Even if you receive a discharge, there are some debts which are not discharged under the law. These include certain types of taxes, student loans, alimony and child support payments, debts fraudulently incurred, debts for willful and malicious injury to a person or property, and debts arising from a drunk driving charge. Generally speaking, a bankruptcy discharge does not remove liens from your property.

Chapter 11: Reorganization

Chapter 11 is designed for the reorganization of a business. It is also available to individual debtors who exceed the thresholds for Chapter 13 bankruptcies.

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Your Chapter 7 Bankruptcy Case Does Not End When You Get Your Discharge It Ends With The Court’s Final Decree

Updated by Cara O’Neill, Attorney

For most filers, a Chapter 7 case will end when you receive your dischargethe order that forgives qualified debtabout four to six months after filing the bankruptcy paperwork. Although most cases close after that, your case might remain open longer if you have property that you can’t protect . During that time, you must cooperate with the trustee appointed to administer your case. Your case will close after the trustee sells the assets, pays out the funds, and files a report with the court.

You’ll find a complete overview of the bankruptcy process in What You Need to Know to File for Bankruptcy in 2021.

Can A Bankruptcy Be Reopened After Discharge

Wisconsin Copy of Bankruptcy Discharge Papers $8

In most cases, the court will close your case shortly after it enters your discharge. But the court can reopen your bankruptcy case for a variety of reasons even after you receive your discharge. Read on to learn more about why your bankruptcy case may be reopened and who can request that the court reopen it.

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It Is Relatively Easy To Replace A Lost Copy Of Your Bankruptcy Discharge Record

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.

Kevin Ahrenholz is an Iowa bankruptcy lawyer and Iowa bankruptcy attorney. To contact him, visit or call 1.877.888.1766.

Posted on Wednesday, July 18th, 2012 and filed under News and Press.

How To Get A Judgment To Show Settled

Although they sound similar, a bankruptcy dismissal and a bankruptcy discharge are two very different outcomes. If your bankruptcy ends in a dismissal, it means that the bankruptcy was dismissed before the conclusion. A dismissal can be voluntary or involuntary. The court can order the dismissal because of a failure to comply with proceedings, or you might even change your mind for a voluntary dismissal. If you have a bankruptcy dismissal, write a letter to have a dismissed bankruptcy removed from your credit reports.

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Land Registry/registry Of Deeds

Bankruptcy petitions and orders are registered at the Registry of Deeds against your name and may be recorded against documents of title in the Land Registry. If your petition is dismissed or you are discharged from bankruptcy you can vacate your registration in the Registry of Deeds by completing Form 11 or form 13 of the Registration of Deeds Regulations 1997 and lodging at the Registry of Deeds. There will be a charge of £4.

If notice of the presentation of the petition or the bankruptcy order has been given to the Land Registry the Order of Annulment should include provision permitting cancellation of any entry in the Land Registry or notice of the petition or any bankruptcy inhibition against your title as the registered owner of the land. You should take a copy of the Order to the Land Registry to have the cancellation made.

How To Get A Discharge Certificate

What is Bankruptcy Discharge &  What Does It Mean?

The fact that you do not receive written confirmation that you have been discharged from Bankruptcy is nothing to worry about. In general it is not needed. However you can request a Discharge Certificate if you want one.

If you went bankrupt after April 2016 then the Insolvency Service will e-mail you a certificate for free. You need to send a request using the following details:

The e-mail address to use to request a Discharge Certificate is: . You will need to include the following details in your e-mail:

  • Your full name
  • Bankruptcy Court Ref
  • Bankruptcy Reference
  • Current address
  • The address you lived at when you were declared bankrupt

If you went bankrupt before April 2016 you can get a letter which confirms the date of your discharge by sending an e-mail request as detailed above. However if you want a Discharge Certificate you will have to pay for it .

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Can Official Receiver Take Money After Discharge

While any assets you obtain after youve been discharged are safe, any that were seized under the bankruptcy that have not yet been dealt with remain under the control of the trustee or official receiver. They can still be used to pay off your debts even after discharge and you will not be able to take them back.

What Is A Discharge In Bankruptcy

A bankruptcy discharge releases the debtor from personal liability for certain specified types of debts. 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 that has not been avoided 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.

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Bankruptcy Discharge Certificate Canada: What If I Fail To Include One Of My Creditors In My Bankruptcy

If I failed to remember to include one of my creditors in my bankruptcy do I need to pay them? If your Trustee hasnt been discharged yet, simply tell the creditor to call your Trustee to participate in your bankruptcy.

If your Trustee has actually been discharged then the creditor is qualified to be paid the same returns your other creditors obtained from your bankruptcy. You will need to pay this amount.

If you intentionally omitted the lender from your bankruptcy after that the lender can ask the court to enable their financial obligation to survive, and if successful, you will need to pay the full amount.

Bankruptcy Discharge Certificate Canada: What Are The Benefits Of Keeping My Bankruptcy Discharge Papers


As reviewed above, after you have actually successfully finished every one of your bankruptcy responsibilities and any kind of conditions of discharge, you will receive your discharge from bankruptcy. When you get your bankruptcy discharge your Trustee will give you a bankruptcy discharge certificate Canada.

That paper is proof that you have actually formally been launched from your financial debts that were included in your bankruptcy. As already stated, particular financial obligations cant be discharged in bankruptcy. Also, any type of debts that you sustain after the day of your bankruptcy are your responsibility as well as are not eliminated by your bankruptcy discharge.

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What Debts Are Not Discharged In Bankruptcy

Most consumer debt, including medical bills and credit card bills, is dischargeable. Certain debts, however, are non dischargeable, meaning they cannot be wiped out through bankruptcy. These are debts that Congress has decided should not be able to be discharged for public policy reasons.

Need Copy Of Bankruptcy Bankrutpcy Court Records Case Discharge Records

Are you looking for San Bernardino county bankruptcy court records for free. You are wasting your money, time and energy. STOP NOW, and look for low cost, fast bankruptcy records retrieval service. You should search for how to get copy of California bankruptcy discharge papers or bankruptcy discharge records. Do not just stick for 1st page search, go to second or third page. This is your hard earned money, a penny saved is a penny earned.

Bankruptcy filers, in San Bernardino can receive copy of bankruptcy records 24×7. Any one can obtain copy of public bankruptcy records from court public system by paying small fees. There are couple of good online Bankrutpcy Court Records retrieval services, who deliver records within minutes to couple of hours, same day 24/7 by email.

You can also check on financial status from bankruptcy case papers, before entering into any sort of financial agreement.

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Bankruptcy Process And Discharge

When individual debtors file for bankruptcy, most of their debts are discharged at the conclusion of their bankruptcy case. In Chapter 7 cases, a debtor’s non-exempt assets are seized, and the proceeds are used to pay creditors. This is a short process lasting usually a few months, after which any remaining unpaid debts are discharged and the debtor is no longer legally responsible for them. In Chapter 13 cases, a debtor pays his debts with a repayment plan that lasts three to five years. As with Chapter 7, any unpaid debts left behind are discharged as long as the debtor completes all obligations under the plan.

At the completion of the case, the court enters an order discharging debtor, which is public record and available to you and to anyone else who wants to find it. Read More:What Happens After Bankruptcy Discharge?

How To Get Proof You’ve Been Discharged

How do bankruptcy discharge paper look like?

Your discharge from bankruptcy will happen automatically, so you won’t necessarily get proof sent to you.

Email the Insolvency Service to get a free confirmation letter. You should only ask for this after the discharge date.

If you ask for a confirmation letter, you must include your:

  • full name
  • National Insurance number
  • court reference number

If youre applying for a mortgage, youll need a Certificate of Discharge. If you originally applied for bankruptcy through a court then youll need to ask them for a certificate. This costs £70 and £10 for extra copies.

If you originally applied for bankruptcy online, email the Insolvency Service for a certificate. Theres no fee for a Certificate of Discharge if you applied online.

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