Prices quoted above are for Personal Bankruptcy Records only.  
Corporate or Business bankruptcy files are individualy priced due  to size of file. 

Note:  Bankruptcy Records only may be orderd online, all other types of Court
Records must be orderd by calling the Service Center at 1-888-267-2673.

M-F 9AM - 7PM Saturday 8AM - Noon (CST)
*Archived Bankruptcy Records are custom ordered

Frequently Asked Questions 

Q: Where can I get a free copy of my bankruptcy records?

A: Your attorney will usually keep copies of your file for 2-3 of months after your bankruptcy is discharged or dismissed, depending on each attorney.
 
Q: How long does it take to get your Bankruptcy Records after they are ordered?

A: Usually 1-4 hours after order is received.

Q: What records will I need from my bankruptcy file if I am trying to purchase or refinance a house?

A: Most of the time all that is needed is a copy of your Schedules and your Discharge papers, (the middle package $35.00) unless your mortgage company is asking you to prove that you reaffirmed on a creditor during your bankruptcy. Then you would need your complete file.

Q: What records will I need from my bankruptcy file if I am trying to rent an apartment?

A: Most of the time all that is needed is a copy of your discharge records. ($20.00)

Q: What records will I need from my bankruptcy file if I am trying to clean up my credit and raise my credit scores?

A:  Same as above, Most of the time all that is needed is A copy of your Schedules and your Discharge papers, unless you reaffirmed on a creditor during your bankruptcy and the bureaus are not reporting it correctly.  Then you would need your complete file to obtain your reaffirmation papers. ($35.00)

Q: What records will I need from my bankruptcy file if I am trying obtain a license of any kind such as: Attorney's license, Insurance Broker's License, Stock Broker License etc...?

A: Your schedules and discharge records unless they ask you for your complete file.

Q: When do the Courts archive bankruptcy files?


A: Different States very, but typically if your file was discharged or dismissed prior to 1999, there is a good chance your files are archived. Files are still obtainable however additional fee's may apply and same day service does not apply. Archived files may take between 2-14 days to receive, depending the which archive center your records are in. Its free to call our Service Center at 1-888-267-2373 to check the availability of your file.

Q: How will I know if my file has been archived?

A: A Centronix Systems rep. will let you know within the same day that you place your order. You will have the option to continue with your order or have your money refunded at that time. 
 
Q: What are the additional fee's?

A: It depends on each State and which package your order, however it is usually between $25 - $60 for files 70 pages or less.  (most file's are 70 pages or less)

Q: How long does is my bankruptcy records kept at the Archive Centers?

A: 25 yeras depending on each state, then they are disposed of.

Q: Can I call  and check if my records are in their database before I order them?

A: Yes, it is free to call and check the status of your bankruptcy records.

Q: How long will a chapter 7 Bankruptcy Stay on my Credit?

A: Ten years from the discharge date.  Click here for more information

Q: How long will a chapter 13 Bankruptcy Stay on my Credit?

A: Seven years from the discharge date. Click here for more information

Q: What do I do if a debtor tries to collect on a debt that I filed bankruptcy on?

A: The first thing you need to do is send a certified letter to the collection agency that is trying to collect the debt. Include in the letter that the account was included in bankruptcy and send them a copy of your schedules along with a copy of your discharge records.  Note: MAKE SURE you send the letter via certified mail.  Then go on line and file a complaint with The Federal Trade Commission (this can be done on line and only takes a few minutes) they will not go up to bat for you, however, if that collection agency gets enough complaints on them they will audit them and fine them BIG BUCKS! It might take a while, but the more people that file complaints, the less time the public will have to put up with bottom feeder collection agency's.

Q: Can I order bankruptcy records from all the bankruptcy chapters?

A: Yes, There are four types of bankruptcy cases provided under the law:

• Chapter 7 is known as "straight" bankruptcy or "liquidation". It requires a debtor to give up property which exceeds certain limits called "exemptions", so the property can be sold to pay creditors.
• Chapter 11, known as "reorganization", is used by businesses and a few individual debtors whose debts are very large.
• Chapter 12 is reserved for family farmers.
• Chapter 13 is called "debt adjustment". It requires a debtor to file a plan to pay debts (or parts of debts) from current income.
• Most people filing bankruptcy will want to file under either Chapter 7 or Chapter 13. Either type of case may be filed individually or by a married couple filing jointly.

Most often type of personal bankruptcy filed is:

CHAPTER 7 (Straight Bankruptcy)

In a bankruptcy case under chapter 7, you file a petition asking the court to discharge your debts. The basic idea in a chapter 7 bankruptcy is to wipe out (discharge) your debts in exchange for your giving up property, except for "exempt" property which the law allows you to keep. In most cases, all of your property will be exempt. But property which is not exempt is sold, with the money distributed to creditors.

If you want to keep property like a home or a car and are behind on the payments on a mortgage or car loan, a chapter 7 case probably will not be the right choice for you. That is because chapter 7 bankruptcy does not eliminate the right of mortgage holders or car loan creditors to take your property to cover your debt.

CHAPTER 13 (Reorganization)

In a chapter 13 case, you file a "plan" showing how you will pay off some of your past-due and current debts over three to five years. The most important thing about a chapter 13 case is that it will allow you to keep valuable property -- especially your home and car -- which might otherwise be lost, if you can make the payments which the bankruptcy law requires to be made to your creditors. In most cases, these payments will be at least as much as your regular monthly payments on your mortgage or car loan, with some extra payment to get caught up on the amount you have fallen behind. You should consider filing a chapter 13 plan if you

• own your home and are in danger of losing it because of money problems;
• are behind on debt payments, but can catch up if given some time;
• have valuable property which is not exempt, but you can afford to pay creditors from your income over time.

Bankruptcy Records can be obtained by the person whom filed the bankruptcy, a lending institution such as a mortgage company, bank, mortgage brokers, loan officers, creditors named in the bankruptcy, and attorneys. Bankruptcy Records rarely contain a full social security number for security reasons. The bankruptcy records will only contain the last four numbers for verification purposes. Bankruptcy records are sent via fax or e-mail unless otherwise noted on the order to be sent via U.S. Postal Service. Bankruptcy records will be sent promptly after order is complete. Bankruptcy records ordered Monday-Friday before 7:00 PM (CST) will be sent via e-mail or fax same business day. Orders received after 7:00PM will be sent via e-mail or fax next business day. Archived Bankruptcy Records are custom orders. For more information visit our Bankruptcy Records F.A.Q. page.


For information on each state, click on the state below: