When you think about a bankruptcy database, one that is used by the federal courts is known as PACER which can be accessed through the Internet though only after paying a fee for such access. Such a database is especially important to attorneys that need to file their clients bankruptcy cases online and also because when there is greater number of filings, courts allows attorneys to use online means for filing for bankruptcy on behalf of their clients.
The PACER database can be accessed online for a fee. However, the PACER database is not accessible for everyone. Debtors seeking bankruptcy information must go through an attorney to access information through the PACER database.
There are other bankruptcy databases besides PACER. Many companies have their own personal databases, which consumers can use who need to file bankruptcy. These databases can not only be used for information on consumer bankruptcies but also information related to business bankruptcy filings as well as dismissals and discharges under various bankruptcy chapters including Chapter 7, Chapter 11, and Chapter 13.
How to Use a Bankruptcy Database
If you are looking to use these kinds of bankruptcy databases, you can enter certain parameters for your search which can include according to region and which will throw up information according to county, state, city and even three first digits of zip codes. In addition, you may want to locate information according to date such as filing dates, discharge date, dismissal date and even date of first meeting of which a 341 meeting is a good example.
These databases are also searchable according to the type of bankruptcy filed. Search terms such as Chapter 7 or Chapter 11 dismissal or a combination of terms can be entered to retrieve information on an individual or business. It is important to keep in mind that Chapter 11 deals with only businesses that file bankruptcy, Chapter 13 is for individuals only, and the majority of Chapter 7 filings are reserved for individuals as well.
Some but not all bankruptcy databases even contain relevant information regarding amounts of assets and liabilities of individuals and businesses.
Finally, the bankruptcy database will also contain the house addresses and within this you can filter out addresses with regard to certain apartment numbers, PO Boxes as well as those addresses that have number signs in them. Thus, as you can see, each different bankruptcy database has a lot of information that it contains and which can be accessed entirely or according to specific needs and it will prove to be very helpful under different situations.