Understanding Your Bankruptcy Case File

What is in your bankruptcy case file

Your bankruptcy case file contains every document filed with the court on your behalf. Understanding these documents helps you verify that your case was handled correctly.

The petition and schedules

• Voluntary Petition -- The document that officially starts your case. Verify your name, address, and selected chapter are correct
• Schedule A/B -- Lists all your property. Make sure nothing is missing or incorrectly valued
• Schedule C -- Lists the exemptions that protect your property. Verify the correct exemption scheme was used
• Schedule D -- Secured creditors (mortgage, car loans). Check amounts and collateral descriptions
• Schedule E/F -- Priority and unsecured creditors. Verify all debts are listed
• Schedule I/J -- Your income and expenses. These should accurately reflect your financial situation

The Statement of Financial Affairs (SOFA)

This is a detailed questionnaire about your financial history -- income, transfers, lawsuits, payments to creditors, and more. Inaccuracies here can lead to serious problems, including denial of discharge.

Accessing your file

You can access your case file through PACER at pacer.uscourts.gov (fees apply, typically $0.10 per page). You can also request copies from your attorney or visit the bankruptcy court clerk's office in person.