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Beginning with 1998 cases and forward, copies of bankruptcy and adversary case documents are available through our electronic case filing system (ECF). Case documents can be viewed and printed from your computer. To access the information, you must have a PACER account.
In a chapter 13 bankruptcy, you must pay your creditors in full if you can. If that is not possible, you must pay all of your disposable income for 3-5 years. Disposable income is the income left over after paying necessary living expenses. Once the repayment plan is completed, you will get a discharge of your debts.
Not All Debts Are Discharged Certain debts will remain on your account when you file for Chapter 7 bankruptcy. You will still be responsible for alimony and child support. Tax liens, student loans, and personal injury debts caused by intoxicated drivers are still on the docket, as well.
Th?e Chapter 7 is preferable in many instances because the bankruptcy discharge, or ?fresh start,? is finalized much sooner, generally within three and one-half months of a bankruptcy filing. In a Chapter 13, you normally do not receive your discharge until completing a three to five-year repayment plan.
Chapter 7 stays on your record for 10 years, while Chapter 13 stays for seven years. That would seem to suggest that Chapter 7 is worse for your credit score, but with Chapter 7, your debt, or at least the unsecured debt, will be gone. That means you can try to start rebuilding it immediately.
It's a Long Term Commitment ? Filing Chapter 13 bankruptcy requires you to make a long-term commitment to the process. Tough To Get Credit or a Mortgage for 7 Years ? Other impacts include the inability to get credit cards at a good rate, and filing Chapter 13 makes it tough to get a mortgage.
Submit a Written Request by Email or Mail. You may send a written request for copies from a Central District of Illinois case file by email or mail to the office where the case was filed.
Corporations and partnerships must have an attorney to file a bankruptcy case. Individuals, however, may represent themselves in bankruptcy court. While individuals can file a bankruptcy case without an attorney or "pro se," it is extremely difficult to do it successfully.