Bankruptcy Tracking
Overview
The Bankruptcy Tracking feature provides comprehensive visibility into bankruptcy cases associated with debtors. When a debtor files for bankruptcy, this view displays all relevant case information, important dates, and attorney contact details to help your team manage these accounts in compliance with federal bankruptcy protections.
Key Benefits
- Centralized Case Information: View all bankruptcy details in one location, including case number, chapter, and disposition status
- Critical Date Tracking: Monitor filing dates, discharge dates, hearing dates, and proof of claim deadlines
- Attorney Contact Management: Access attorney contact information with integrated calling capabilities
- Compliance Support: Maintain awareness of bankruptcy status to ensure proper handling under FDCPA and bankruptcy law
Understanding Your Data
Case Details
| Field | Description |
|---|---|
| Case Number | The official bankruptcy case number assigned by the court |
| Chapter | The bankruptcy chapter filed (e.g., Chapter 7, Chapter 11, Chapter 13) |
| Disposition Status | Current status of the bankruptcy case (e.g., Active, Discharged, Dismissed) |
| Judge Initials | Abbreviated identifier for the presiding judge |
| Judge Name | Full name of the judge handling the bankruptcy case |
Important Dates
| Field | Description |
|---|---|
| Filing Date | Date the bankruptcy petition was filed with the court |
| Discharged Date | Date debts were discharged (if applicable) |
| Dismissed Date | Date the case was dismissed (if applicable) |
| Closed Date | Date the bankruptcy case was officially closed |
| Hearing Date | Scheduled court hearing date |
| Proof of Claim Date | Deadline for creditors to file proof of claim |
Attorney Information
| Field | Description |
|---|---|
| Name | Name of the debtor's bankruptcy attorney |
| Address | Full mailing address of the attorney's office |
| Attorney's email address for correspondence | |
| Primary Phone | Main contact number with click-to-call functionality |
| Secondary Phone | Alternate contact number with click-to-call functionality |
Using This Feature
Viewing Bankruptcy Information
- Navigate to the debtor's account
- Locate the Bankruptcy section to view all case details
- Review case information, dates, and attorney contact details
Adding Bankruptcy Information
- Click the Add button in the Bankruptcy section
- Enter the case details including case number and chapter
- Fill in all known dates (filing date, hearing date, etc.)
- Add attorney contact information if available
- Save the bankruptcy record
Editing Bankruptcy Information
- Click the Edit button on an existing bankruptcy record
- Update any fields with new information
- Save your changes
Contacting the Attorney
- Locate the attorney's phone number in the Attorney Information section
- Click the call button next to the Primary Phone or Secondary Phone
- The system will initiate a call through the integrated calling feature
- Document your conversation in the account notes
Compliance Considerations
When a debtor files for bankruptcy, federal law provides specific protections that affect collection activities:
- Automatic Stay: Upon filing, an automatic stay goes into effect that generally prohibits collection activities
- Proof of Claim Deadlines: Monitor the Proof of Claim Date to ensure timely filing with the bankruptcy court
- Discharge Status: A discharged debt is no longer legally collectible from the debtor personally
- Chapter Differences: Different bankruptcy chapters have varying implications for debt collection
- Attorney Communications: When a debtor has legal representation, direct all communications through their attorney
Always consult with your legal team regarding proper procedures when handling accounts in bankruptcy.
Best Practices
- Update records promptly: Enter bankruptcy information as soon as you receive notice
- Track all dates: Pay special attention to proof of claim deadlines and hearing dates
- Document attorney contact: Keep accurate attorney contact information for required communications
- Monitor disposition changes: Regularly check case status for updates that may affect account handling
- Coordinate with legal: Work with your compliance team on accounts involving bankruptcy