Home Bankruptcy & Debt Relief FAQs Who Will Know if I File for Bankruptcy?

Who Will Know if I File for Bankruptcy?

Usually the only people who know that you have filed for bankruptcy protection are your creditors, your lawyer, and anyone you choose to inform. However, it is a matter of public record, and technically the proceedings are open to the public, but are usually held in a conference room rather than the court building, and they are so routine and boring we've never seen anyone there except those who needed to be. In most cases, you will only need to make one appearance to confirm you identity and answer a few basic questions.

Some small towns still publish "Public Records" in the classifieds section, and you can look in the local paper to see if that's true where you live. As a public record, it will appear on your credit report, and the information is accessible to anyone who has a PACER account with the U.S. courts, but because of the cost only creditors and attorneys use this, and possibly private detectives.

You will receive some mail with a return address that may indicate it is from the U.S. Bankruptcy Court or Bankruptcy Trustee. The exact format is determined by the court and we have no control over that as your attorney.

Overall, remember the important reasons for filing bankruptcy: eliminating your debts, getting a financial fresh start, and removing the burdens that are having such a negative impact on your life. Those far outweigh the significance of someone finding out you filed for bankruptcy.

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