Do You Need A Certified Copy Of Bankruptcy Records?
Filing for bankruptcy can be a stressful and overwhelming experience, one common question that arises is whether or not you need a certified copy of bankruptcy records.
The short answer is that in most cases, you do not need a certified copy of your bankruptcy records. Here are a few reasons why:
- The bankruptcy court provides access to electronic records:
In many cases, the bankruptcy court where you filed your case will provide access to electronic records. This means that you can view and download your bankruptcy records at any time, without the need for a certified copy.
- Most creditors do not require a certified copy:
When you are applying for credit, such as a loan or a credit card, the creditor may request a copy of your bankruptcy records as part of their underwriting process. However, most creditors do not require a certified copy, and a regular copy of your bankruptcy records will be sufficient.
- A certified copy may be more expensive:
If you do decide that you need or want a certified copy of your bankruptcy records, be aware that it may be more expensive than obtaining a regular copy. In addition to the cost of the copy itself, you may also need to pay for certification fees and postage.
- A regular copy is usually accepted by government agencies:
If you need to provide your bankruptcy records to a government agency, such as the IRS or a state tax authority, a regular copy is usually sufficient. These agencies typically do not require a certified copy, and a regular copy can be used as proof of your bankruptcy filing.
- Your attorney can provide you with a copy:
If you hired an attorney to help you with your bankruptcy case, they might be able to provide you with a copy of your bankruptcy records for a fee. This copy will not be certified, but it should be sufficient for most purposes.
In conclusion, while there may be some situations where you need a certified copy of your bankruptcy records, in most cases a regular copy will be sufficient. If you have any questions or concerns about obtaining a copy of your bankruptcy records, it’s always a good idea to consult with an attorney who specializes in bankruptcy law. They can provide you with guidance and advice on what steps to take.