Usually the Social Security Number has been blacked out and the last four digits are available for authentication.

All your documentation is retrieved on the same day that you place your order. Any files which have been archived by the courts will take 3-10 to retrieve. Any files that have been destroyed (25 years or more past filing) will not be available.

No.  We can't open documents just to view and verify information.  For example, we will not open the schedules to check if a creditor is listed on the bankruptcy.  And if a case is recently filed, we will not check to see if there is a discharge yet.  

Your bankruptcy documentation can be assessed by you, any creditors which were named in the bankruptcy filing, lending institutions or mortgage brokers, lawyers, loan officers, and anyone who has the authority to check your credit or who has access to your personal information.

You should order the complete bankruptcy case.  Some cases where there are discrepancies on your credit report or you need to provide additional proof to the bureaus, you would require your entire file.

This depends on which chapter you filed under. A Chapter 13 bankruptcy will stay alive on your credit for seven years after the discharge date, not the filing date. A Chapter 7 bankruptcy will stay alive on your credit for ten years after the discharge. If you apply for credit, your lender will tell you if you need to provide Schedules and Discharge papers, your entire file, or nothing at all.

Yes, you can e-mail us and we can tell you whether your file is immediately available, whether it has been archived, and even give you the cost and time of delivery.

For every creditor that contacts you, there is a simple and effective system that you should follow to prevent the continuation of hassling phone calls. Send your creditors a copy of your Schedules and Discharge papers. Send this via certified mail to be able to prove that you sent it in the first place. Then take about five minutes to file a complaint (make sure you know which debt collection agency is hassling you, not the company which you owe) with the Federal Trade Commission. They have a website with easy filing instructions. Your complaint can be tallied with others to audit the collection agency and to fine them for breaking the law. You have the right to peace post filing, and you need to file a complaint for every infraction that occurs.