How Can I Determine the Date of My Bankruptcy Discharge?

By Mary Jane Freeman

When you apply for credit after completing bankruptcy, such as a home mortgage or car loan, new lenders may want to confirm that your discharge has taken place. To provide proof of your discharge date, you'll need to obtain a copy of your discharge order.

When you apply for credit after completing bankruptcy, such as a home mortgage or car loan, new lenders may want to confirm that your discharge has taken place. To provide proof of your discharge date, you'll need to obtain a copy of your discharge order.

Ways to Get the Order

Get a copy of the discharge order to determine your bankruptcy discharge date. You can request a copy from the bankruptcy court that handled your case, typically for a fee. If an attorney assisted you with the bankruptcy, he can provide you with a copy. Bankruptcy records also are available in the online database Public Access to Court Electronic Records, abbreviated as PACER.

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How to Find the Date a Bankruptcy Was Discharged

References

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How to Find Out if a Bankruptcy Filing Has Been Dismissed in Alabama

A dismissal ends your bankruptcy case and can have severe consequences. For example, if your bankruptcy case is dismissed, you will not receive a bankruptcy discharge and your creditors can continue to contact you and pursue legal action against you. In contrast, if you complete your bankruptcy case, the court will grant a discharge and all debts that are part of your bankruptcy case will be erased. There are several ways that you can determine the status of your bankruptcy case in Alabama.

Chapter 7 Bankruptcy Laws for Personal Debt

Chapter 7 bankruptcy is one of several types of bankruptcy available to debtors. Under a Chapter 7 bankruptcy, any nonexempt assets you own are sold and the money distributed among your creditors. The court will then discharge any debts you still owe to these creditors. You must petition a bankruptcy court and meet certain eligibility requirements before you can obtain a Chapter 7 debt discharge.

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Depending on the type of second bankruptcy you want to file, there may not be a waiting period or a waiting period of up to eight years. A second bankruptcy may also be filed after a dismissal of the first one. A dismissal is different from a discharge. A discharge releases you from any liability to your creditors, while a dismissal is when the court throws out your case before it is completed. Usually, a dismissal arises from a failure to file necessary documents or failing to make payments under a Chapter 13 repayment plan.

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