Do I Have to Tell People if I File for Bankruptcy?

 Posted on August 29, 2024 in Bankruptcy

Filing for bankruptcy can be one of the most challenging decisions you ever make. It often comes after months or even years of financial stress, and the thought of others finding out can add to that burden. You may worry about your privacy and what people will think. At the Law Offices of Chance M. McGhee, we understand how personal and sensitive this decision is. Our San Antonio bankruptcy attorney offers discreet, compassionate support to help clients through this process without judgment.

Can People Find Out if I File for Bankruptcy?

Yes, it is possible for people to find out if you file for bankruptcy, but it is unlikely that most people will. Bankruptcy filings are a matter of public record, which means they are technically accessible to anyone. However, the information is not widely publicized, so most people in your life — such as friends, family, or coworkers — are unlikely to find out unless you tell them. While employers or landlords may find out about your bankruptcy during credit checks, it is not typically broadcasted information.

How Can People Find My Bankruptcy Records? 

Bankruptcy records are public, but accessing them requires some effort. In Texas, bankruptcy cases are filed with the U.S. Bankruptcy Court, and the records are stored electronically in the Public Access to Court Electronic Records (PACER) system. To view these records, a person would need to create a PACER account and pay a small fee to search for your case. Additionally, bankruptcy proceedings are rarely covered by local media, so your case is unlikely to attract public attention.

Will People Judge Me If I File for Bankruptcy?

It is normal to worry about what others might think, but you should know that you are not alone in considering bankruptcy. In fact, around one in 10 people file for bankruptcy at some point in their lives and over 380,000 people filed for bankruptcy in the United States in 2022 alone. Financial hardship can happen to anyone, and bankruptcy is a legal tool designed to help you get back on your feet. While some people may have negative opinions about bankruptcy, others will understand that bankruptcy is a responsible choice to regain control of your financial future. You can always decide who to tell and who not to tell about filing for bankruptcy.

Contact Our San Antonio, TX Bankruptcy Lawyer for Discreet Help

If you are considering bankruptcy and are worried about who might find out, you do not have to face this alone. Here at the Law Offices of Chance M. McGhee, our Boerne, TX bankruptcy attorney offers judgment-free, confidential guidance to help you make the best decision for your situation. He will listen to your concerns and never pressure you into any action you are not comfortable with. Call 210-342-3400 today for a free consultation with an attorney who will treat your case with the privacy and respect you deserve.