The U.S. Bankruptcy Code sets forth the rules and procedures that govern all bankruptcy cases, including the procedures for providing notification to the creditors.
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If you file for either Chapter 7 or Chapter 13 bankruptcy, a number of forms will be filed with the court, including a complete list of all creditors. Shortly after the filing, the U.S. Bankruptcy Clerk's Office sends to the creditors an official notification of the bankruptcy.
Some of the creditors, such as certain banks and credit card companies, are notified electronically. The rest of the creditors, including most medical debt creditors and creditors not registered with the court to receive electronic notification, are notified by U.S. Mail.
Information Contained in the Notice of Bankruptcy
The official notice of the bankruptcy case contains certain information about the case, including:
- the name and address of the bankruptcy court
- the debtor's name and address
- the bankruptcy case number
- the type of bankruptcy (e.g., "Chapter 7")
- the name and address of the case trustee
- the date of the Section 341 Meeting (a.k.a. "Meeting of the Creditors")
- the deadlines to file certain objections or claims
Certification that Creditors were Notified
After the creditors are notified of the bankruptcy filing, the clerk's office files with the court a certification indicating that each creditor was notified of the bankruptcy case.