Benefit of Pacer

[mcwjjm]

I have a question about Pacer and simiiar services that allow you to "follow" your BK on-line. What exactly is the benefit of these services when the trustee will inform my attorney of the discharge and closure.

 

[azatty]

You get to see everything that happens in your case. ECF/Pacer is invaluable to an attorney, but if your case is easy, it may not provide you with a great benefit other than information.

 

[mcwjjm]

That's great but all I want to know is four things. That my debts are discharged. What is not being discharged [what I still owe]. That my case is closed. And if the trustee is keeping my 2005 tax refunds. The 1st two will be spelled out in my discharge and my attorney will inform me of the closure. What else do I really need to know?

 

[bigun]

What else do I really need to know?

In your case-nothing.
The benfit is seeing potential problems as they occur and getting with your attorney to resolve the issue quickly.
Also, if you're nosey, Pacer is a great resource to check out your neighbor, coworkers, ex spouse, long lost cousin {now I know why he's lost},etc. Downside, 8 cents a page can add up. Don'r ask how I know.

 

[Ladynred]

That my debts are discharged.

You'll see the order for discharge and you'll get a letter.. but that's it.

What is not being discharged [what I still owe].

That is NOT going to be in the discharge order nor will it be in the discharge letter. The letter will simply say all debts that CAN be discharged are and will then reiterate that section of the BK code regarding what debts are not dischargeable.

That my case is closed.

You will see that on PACER, you'll receive no other notice in the mail.

And if the trustee is keeping my 2005 tax refunds.

You won't see this on PACER.

 

[mcwjjm]

Thank you ladynred. I knew that my attorney would inform [once he heard] when my case was closed. So, when will I hear what [if any] debts won't be discharged? I'm assuming my attorney will be in touch but what's the time frame from when I get the discharge? Thanks.

 

[Ladynred]

You won't. You won't get any details like that from the court. Ask your lawyer what types of debts are generally not dischargable, like student loans or certain taxes, if you have any of those types, you'll have to do something about them. If you have none of that type, then everything you listed on your schedules will be discharged.

 

[mcwjjm]

Ok, let me explain further. I had charged one of the creditors listed
$2000.00 a month before filing. I also applied for a $1000.00 cash loan [to pay the attorney] at the same time. I was assuming these wouldn't be discharged. The prior charge was for a bed/mattress/bedding since I was parting company from my GF at the end of 2005. Thanks.

 

[Ladynred]

I had charged one of the creditors listed $2000.00 a month before filing. I also applied for a $1000.00 cash loan

By this I assume you mean you USED 2K/month on the card ?

Unless the creditor challenges the discharge of those charges in an adversarial proceeding, and you would know if they did, then the whole debt is discharged. IF the creditor challenges that part of the debt, and the judge finds for them, then that part of the debt won't be discharged and you'll have to pay them.

 

[krybrahaha]

Cant we get in trouble for searching other peoples bankruptcy or court files?

Also, if you're nosey, Pacer is a great resource to check out your neighbor, coworkers, ex spouse, long lost cousin {now I know why he's lost},etc. Downside, 8 cents a page can add up. Don'r ask how I know.

 

[bigun]

All that stuff on pacer is a public record.