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Frequently Asked Questions
How do I get errors removed from my credit report?
The information at the following links offers detailed information on removing errors from your credit report.
Federal Trade Commission
Also, you may directly dispute items on your credit report with the company presenting your report.
How soon after I get my discharge can I file bankruptcy again?
The U. S. Courts website provides information that may assist you in determining when you might be eligible to file another bankruptcy. Please review the material at the following link under the heading "Can a debtor receive a second discharge in a later Chapter 7 case:"
It is strongly advised that you seek legal advice from a competent bankruptcy attorney on this matter.
When is my case complete?
When a final decree is entered, a bankruptcy case is considered closed. A no asset case will be closed within a reasonable time after a discharge is issued. An asset case is closed after the trustee has completed their obligations.
Will all my creditors be notified of my discharge?
At the time a discharge is entered, a copy is mailed to all creditors that are on the case mailing list. Creditors listed at case opening, and those added to the list by amendment prior to the discharge being entered, will receive notice of your discharge.
Who has access to my bankruptcy file?
Bankruptcy files are public records, which are available from the "Public Access to Court Electronic Records" (PACER) website. PACER allows users to obtain case and docket information from federal appellate, district, and bankruptcy courts via the internet using the PACER Case Locator.
When am I under bankruptcy protection?
The automatic stay is in effect upon the filing of a bankruptcy. The U. S. Courts glossary defines the automatic stay as: An injunction that automatically stops lawsuits, foreclosures, garnishments, and all collection activity against the debtor the moment a bankruptcy petition is filed.
For more information on bankruptcy protection, review the following information:
If my case gets dismissed, or I change my mind about filing, can I get my filing fee refunded?
Appropriate filing fees that are paid cannot be refunded. Please review our court’s local rules for information on the refund of filing fees.
How do I get my case dismissed?
The local rules on dismissing a case are available at the following link:
How can I get a case reopened?
Information on reopening a case is provided on the U. S. Courts website at the following link under the heading "May the debtor pay a discharged debt after the bankruptcy case has been concluded?"
In depth information on reopening fees is available on the U. S. Courts website at the following link:
How many years will a bankruptcy show on my credit report?
The Federal Trade Commission provides detailed information on bankruptcy and your credit report at the following link:
You may be able to obtain a free credit report at: