In the olden days, people had to queue up in the bankruptcy court for some to lodge their applications for bankruptcy. This used to apply for both Chapter 7 and Chapter 13. But with the technology getting to be more advanced these days, you would find people can easily file bankruptcy online.
The bankruptcy court has come up with a new federal database, which it calls PACER. Individuals and attorneys both can use this database to file bankruptcy online. Though, in some states, courts allow the attorneys only to file cases online.
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One of the critical aspects that come through when cases ought to be filed online is the document preparation. For any bankruptcy case, some documents need to be signed by the clients. Attorneys normally do not take this on their head. One of the main reasons they don't do this is because they do not wish to be liable in the court of the law for their client's documents.
In cases where attorneys do opt for filing the documents on the behalf of their clients, a lot of caution is exercised. The attorney obviously does not wish risking the court accusing them of willful misrepresentation of the documents.
Even before you can file bankruptcy online, the attorney needs to do a Photo Identification check of the client. In most cases, attorneys request their clients to provide them with permission to do a background check. Post all of this, the debtor is required to sign some documents.
In some cases, you would find that the debtors are asked to attend the proceedings of the bankruptcy filing. This the court decides only after it meets with the creditors.
Filing bankruptcy cases online - Some pitfalls
You really need to be ultra-careful with your documentation. Not that you could mess up with this when you file your claim over the court directly, but with online filing, you just do not have any scope for mistake. Online filings do not completely alleviate the burden of you going to the court. It may be necessary for you to visit the court, though the frequency of the visits could come down in a big way.
When you file bankruptcy online, it has indeed simplified the whole deal of lodging these cases. For starters, you are saved of the regular visits to the court, which could at times get you a sick feeling. With PACER and the online filing needs, you would find filing for bankruptcy is not much of a headache.
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