These services are often not reputable and you may never get your documents. It is not unusual to see services online that offer to send you your discharge documents for a fee, sometimes as high as $40 or more. You may need your case number in order to search the database. There is normally a ten cent per page retrieval fee, but if you spend less than $15 each quarter of the year, the service is free. However, there are fees depending on how often you use the service. In order to search the database, you must register with PACER, which is free. Public Access to Court Records (PACER) is an electronic public access service that provides information on cases filed in federal court. If it has been many years, the case may have been archived, so additional fees may apply. Copies of the document are often a charge per page. If you need copies of the document, there will be a fee as well. Some courts will allow you to search the record online for free, while others charge a fee for searches. The first place to check when you need a copy of your bankruptcy discharge papers is with the Clerk of the Court where your case was filed. However, if you have misplaced your discharge documents, you can still obtain a copy if you need it for any reason.
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It is important to keep this document as you may need to present it should you apply for a loan in the future. Creditors listed in the petition can no longer contact you about your debt or file any legal proceedings against you. Once your bankruptcy concludes, you will receive what is known as a bankruptcy discharge which states that your case is now closed and all debts included are no longer enforceable.