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Alabama Bankruptcy Court Records

The Alabama Bankruptcy court is one of the three members in the Eleventh circuit. The bankruptcy courts of Georgia and Florida are others in this circuit. The eleventh circuit has witnessed 160,000 bankruptcy petitions in recent times. If you are wondering what exactly the term 'circuit ' means, it refers to different geographical regions of United States of America encompassing a fixed number of states.

The District Of Alabama Bankruptcy Court provides citizens with self-help filling information, a brief overview of the local court rules, CM/ECF information, Court calendars, and profile of judges along with bankruptcy records of cases filed under the corresponding Alabama district court. The self-scheduling options available within the official district website enables the members of general public to view the available dates and times of the concerned judges. A court docket for each of the judges can be obtained by simply clicking on the relevant button.

Members new to the electronic media are provided with help as well as training for filing for bankruptcy via the electronic medium. All attorneys, creditors as well as the support staff who are not used to filing electronically are advised to complete the regular training sessions. The documents required for successful filing of bankruptcy can also be uploaded onto the system and proper guidance for scanning of documents is available from the website itself. The form itself must be complete. Incomplete forms get rejected automatically. It is, therefore, wise to double-check the form before submitting it for processing. Entering your contact information especially phone numbers and/or e-mail addresses are mandatory for future correspondence.

The Southern Alabama bankruptcy court accepts payment of bankruptcy filing fees only electronically. This entails using your debit or credit card in order to pay your fees. Alternatively, you can disburse the payment by means of pay.gov too. However, this facility is not normally available on Sunday afternoons. Forwarding documents via e-mail while opting for electronic filing is a strict no-no. Documents sent separately by email will not be uploaded into the electronic system. Consequently, you will lose out on precious time. You may also find your case dismissed outright in absence of the essential documents. A copy of the current balance sheet as well as the financial statement is absolutely essential while filing for bankruptcy. The judges also assess income statement and tax payments before proclaiming a decision.

There are a total of three district courts in the state of Alabama, one each for the Northern, Middle and Eastern districts. This has been done to ensure proper coverage of the entire state of Alabama which occupies a large geographical area. The District of Bankruptcy Court Alabama continues to receive a large number of personal and business bankruptcy filings. The United States Bankruptcy Court, Northern district of Alabama alone received 25,640 petitions for personal bankruptcy in 2008, according to a report by US courts bankruptcy statistics.

General information of Alabama Bankruptcy court proceedings may be obtained from within the site itself. Contact numbers as well as important e-mail addresses are displayed prominently within the webpage. If you want to have a look at Alabama Bankruptcy court records, you can log on to the electronic public access system in order to conduct a search yourself. You can also find details relating to the case if you know the case number or name of the concerned party. VCIS (voice case info) or voice case info consists of an automated voice reading out the case details to you. The VCIS finds out the record from the huge database of the bankruptcy court.

Chapter 13 information can be obtained by contacting he trustee of the concerned district of Alabama. Contacting a different address normally makes payment for bankruptcy filing. Trustees for both chapter 7 as well as chapter 13 can be contacted by getting their contact numbers including their mobile phone numbers from the website.

The global economic recession may be receding with the American economy well on its way to recovery. But the effects of the financial crisis can still be felt in each and every household of the country. People are still out there looking for a job, with major recruiters still going slow on hiring. The worst part is companies are still being forced to cut short their work force as a cost cutting measure. One of the major contributions of the economic slowdown to the state of Alabama is the problem of Bankruptcy. However the Bankruptcy Court in Alabama makes its bankruptcy records online through its three district court websites. All the citizens need is an internet connection and a know how of the process to access the bankruptcy records.

Filing for bankruptcy under chapter 7 is also known as liquidation and can provide you with the chance to make a fresh beginning. The trustees appointed by bankruptcy courts helps in the procedure. This special officer is known as the bankruptcy administrator in the State of Alabama. They hold dual responsibilities for monitoring the entire process as well as for supervising the activities of both the debtor and the creditor. The bankruptcy laws imposed in the year 2005 help to prevent fraudulent bankruptcy filings to a certain extent. Under these laws it is necessary for a person earn an income less than the current state median. Currently, the State median of Alabama stands at $55,424. However, this income is for a family of four and not an individual. It is possible for a person to file for chapter 7 bankruptcy even if his income exceeds the State median limit. This can be done by a calculative test. Bankruptcy form 22A is required for filing of bankruptcy under these circumstances.

Although the bankruptcy rules for almost all States of America remain similar, there may be slight differences in the procedure of filing a bankruptcy case. The local rules for all three districts of Alabama are very similar differing only in their date of adoption. If you are a resident of the State of Alabama, it is imperative that you should have some knowledge before you go in for bankruptcy filing in an Alabama Bankruptcy court. Hiring a suitable bankruptcy attorney is an equally tricky proposition. You not only need to be sure of his experience and expertise in bankruptcy laws, you must also make certain that he has the requisite license necessary for handling bankruptcy cases in the State.

The primary difference of bankruptcy rules in the State of Alabama is concerned with the property exemptions made under various chapters of bankruptcy filing. You can retain up to fifteen thousand dollars worth of property once you decide to declare yourself bankrupt. An area of one hundred and sixty is the limit for owning homestead properties. The spouse or child of a deceased owner is also allowed to appeal for home property exemption. The laws of the Alabama Bankruptcy court also permit a divorced spouse to retain the house even after the owner files for bankruptcy. Joint owners of a homestead property may file separately for homestead exemption as well.

The personal properties that are exempted by local Alabama laws consist of a long list. The party can retain wedding rings and personal jewelry worth five thousand dollars whereas the rest of the valuable possessions are sold off in accordance with chapter 7 bankruptcy rules. Cemetery areas and even monuments erected in memoriam are exempt under the Alabama State rules for bankruptcy.

As far as wages and salaries are concerned, a minimum of seventy five percent of unpaid wages have been declared as exempt under the laws of Alabama State. There are no special privileges as far as the public benefits exemptions are considered. Pensions Funds hare exempt but only include the gratuitous funds made to the employee or his heirs. Contributions made for more than a year to ERISA-qualified benefits have been declared as exempt.

The Bankruptcy Court of Alabama maintains its own copy of the PACER database. To register for this service the citizens of Alabama must visit the official website of PACER. On successful enrolment they are provided with user identification and password for all future references. You can also retrieve your password if you happen to forget or misplace it. It is mandatory to provide certain security information to the website under ?Account Information' prior to losing your password. This service is available to the users 24 hours a day, 7 days a week. Moreover it is efficient, time saving and cost effective.

Just to give you a rough idea a PACER report of 100 pages will cost you marginally above 3.5 dollars. The Public Access to Electronic Records gives citizens a detailed insight into the current case status as well as the prior history of bankruptcies. Apart from checking out business connections and verifying the financial status of individuals, PACER can prove to be an important tool for legal research students too. New bankruptcy cases filed in the court of Alabama can be viewed within a very short period of time. The details that you can retrieve by accessing PACER include a daily listing of cases. The cases are usually displayed chronologically but it is possible for you to limit your search by entering a specific date range. Claims registry as well as the reason for filing can also be viewed online. Copies of documents can be downloaded for a nominal sum. You can also take a print out the results returned by your search. Certified copies of court documents can only be obtained from the court authorities after making the requisite application.

Like all other bankruptcy courts, the court of Alabama maintains its own exclusive database too. A portion of the information is transferred onto the U.S. Party/Case Index that is available via the PACER server. However, not all records can be accessed from this resource.

To give you an idea about the grim financial situation, Alabama Bankruptcy Courts have been a witness to a total of nearly 42,500 petitions for personal bankruptcy relief in the year ending on December 2008. Moreover the state has seen a 33% rise in bankruptcy filings over a 5 year period from 2004 to 2008. Thus the citizens of Alabama must make it a part of their daily lives to review the Alabama Bankruptcy court records to protect their hard earned money.

If you are still unable to come out of a financial crisis, you need to weigh the pros and cons of filing for bankruptcy. You will get a huge amount of information online. It is wise to go through all the pre requisites for chapter 7 and chapter 13. If you are deterred at the thought of expensive attorneys, you can try filing your bankruptcy case yourself by logging on to the electronic filing system. The State of Alabama provides all assistance to individuals unable t hire an attorney. However, you must remember that filing for bankruptcy in Alabama or in any other state will automatically make your record public. This will enable potential creditors to check your financial credentials online. Having a bankruptcy record does not automatically disqualify you from getting a loan. You just need to wait for a minimum period of time before requesting a loan. You will still be able to get credit provided you succeed in building up your credibility anew.