Ways & How

how to search bankruptcy records

how to search bankruptcy records

Bankruptcy is a financial state wherein a person or a business entity is no longer financially capable of handling debts. It is a judicial process in which a debtor asks the court for a discharge of debt in order to have a fresh start. The process starts when a debtor files a petition for bankruptcy and waits until a discharge order is given by the court. The word bankruptcy does not sound appealing to anyone, and in legal contemplation it produces certain effects. At any rate, it is best to know how to search bankruptcy records in order to prove certain exemptions in business transactions and eventually avail of the privileges normally granted only to bankrupts. Bankruptcy records are considered public records. Anyone can have access to these records for a fee. If you want to try it for yourself, read the following steps.

  1. Secure the necessary information. In your search for bankruptcy records, you will need the complete name, address, contact numbers, and all other personal information of the person or entity involved.

    The date of filing of the petition, the place of the filing, and the date when the discharge became effective are equally pertinent information in making a search for bankruptcy records.

  2. Visit the website of the National Archives. The office of the National Archives is the repository of all public records. Judicial records on bankruptcy are just one of the many public records that are kept and maintained in the National Archives. Simply browse their website and enter the necessary information to start your search.

  3. Visit the Public Access to Court Electronic Records (PACER) website. The PACER is a government-owned website wherein you can access court records for a fee. Before you can begin searching, you need to register first either online or via telephone by simply calling 800-676-6856. PACER is a centralized record-keeping database that has links to federal districts and bankruptcy courts all over the United States.

  4. Browse the United States Bankruptcy Court Retrieval Service website. This is a private institution that caters to clients who are looking for court files. This firm usually charges $50 dollars for the search of bankruptcy files or judicial records. You may pay with the use of your credit or debit card. Normally, the results of the search are emailed to your mail account in a just a matter of hours. The results may also be delivered through postal delivery.

  5. Access the Public Record Search Database. This is another non-governmental agency that handles searches of bankruptcy records and other public records. Before you can browse the website, you need to register first and pay the corresponding fees.

  6. Engage the services of a researcher. You can hire a freelance researcher who specializes in searching bankruptcy files in the National Archives website. By simply providing the researcher with the basic information regarding the involved person or entity, the researcher can find the information you need.

  7. Visit the bankruptcy courthouse. If you know the court where the bankruptcy petition was filed, you can go there and ask for the court records. You can also make a request for bankruptcy records of the court for a fee.

Knowing how to search bankruptcy records is important if you want to give meaning to your bankrupt stature. Being bankrupt doesnÂ’t mean you are totally out of opportunities. It is about having a fresh start. Your bankruptcy files will serve as your tools as you avail for certain business privileges and all other financial exemptions or discounts. Search your bankruptcy records and start anew.


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