How to receive your Bankruptcy Records in the State of VermontBefore deciding to file for bankruptcy and receiving your records, it is first important to note that one should only file for bankruptcy after a proper thought process, and only when you decide that bankruptcy is the best way to deal with one's financial problems, and there are perhaps no other legal ways to deal with it.
- Discharging some or a majority of the debt.
- It temporarily allows you to keep your home and temporarily stops repossession of your other properties so as to give you leeway and a bit of time to catch up on missed payments
- It postpones debt collection and stops harmful practices such as phone calls harassing the and other such scenarios.
- It restores utility service and your access to these services
- It also challenges creditors who may have tried to make more money than one owes or fraudulent charges.
However, what Bankruptcy cannot help in are payments of the following nature:
- Child support, alimony, and any other debts which are due to divorce
- Criminal charges and restitution orders by the court
- Debts that have resulted due to what is described as “willful and malicious” harm.
- Many student loans in general
- Debts that have been created due to lavish purchases, cash advances, and large changes made to one's credit card account within six months of filing for bankruptcy.
- Debts because of embezzlement
- Debts created as a result of other court charges such as a DUI (Driving under influence)
The State of Vermont, just like all the other states in the United States of America, keeps a record of bankruptcy within citizens of the state. The official website for the United States Bankruptcy Court in the District of Vermont is https://www.vtb.uscourts.gov/.
Essentially, to understand or get more information about how to deal with cases or go about filing for bankruptcy, one must initially visit this website. Once one accesses this website, there is a small icon indicating the case information, which when accessed, states that CM/ECF (accessed by this link: https://ecf.vtb.circ2.dcn/) is the database online which is used by the court, attorneys, and lawyers to file documents and other resources, and it can also be used to schedule hearings in such cases. To utilize this, registration to the website is necessary so as to receive a unique ID and password.
In the state of Vermont, the National Archives and Records Administrator (or NARA) allows one to retrieve closed businesses and personal bankruptcy case files from Vermont, however, the users will need to contact the court to first know where the location of these files are. Copies of these court records can be ordered online using a form found on the website of NARA (using this link: https://www.archives.gov/research/court-records).
Other ways to access information can be through The National Data Center (also known as the NDC). It was established by the Chapter 13 Trustees and is also an exclusive source for several intense Chapter 13 Case and Claims data. This site discloses to the public different on-going details of the case and claims information, all as recorded and stored within the office of the Trustees, which acts complementary to the already established Bankruptcy Notification Services (This can be accessed through the link: https://www.ndc.org/home)