Rancho Cordova Bankruptcy Records

Rancho Cordova bankruptcy records are managed by the Eastern District of California Bankruptcy Court. This Sacramento County city has over 84,000 residents and sits just east of the state capital. The federal courthouse handling Rancho Cordova cases is located in downtown Sacramento, about 15 miles west. You can search these records through PACER online or visit the clerk's office in person for free access. This page covers how to locate Rancho Cordova bankruptcy filings and navigate the court system.

Rancho Cordova Bankruptcy Court Info

The Eastern District of California Bankruptcy Court handles all bankruptcy cases for Rancho Cordova. Sacramento County is one of 34 counties in this federal district. The main courthouse sits in downtown Sacramento, close to Rancho Cordova.

The Sacramento courthouse is at 501 I Street, Suite 3-200. Rancho Cordova residents can reach it in about 20 minutes west on Highway 50. Call (916) 930-4400 for the clerk's office. Hours are Monday through Friday, 9 AM to 4 PM.

The court website provides local rules, forms, and filing procedures. All Rancho Cordova bankruptcy records are stored electronically and searchable through PACER.

Search Rancho Cordova Bankruptcy Records

PACER is the main tool for searching Rancho Cordova bankruptcy records online. The system contains every case filed in the Eastern District. Search from any computer at any time.

Sign up free at pacer.uscourts.gov. Once registered, select the Eastern District of California Bankruptcy Court. Enter a name or case number. Results display dockets, documents, and case status.

The cost is 10 cents per page with a $3 cap per document. Light users pay nothing. Quarterly charges under $30 are waived. Most people searching Rancho Cordova cases get free access.

Use the PACER Case Locator to search all federal courts at once when you do not know which district handled a case.

Free Rancho Cordova Bankruptcy Searches

Free methods exist for searching bankruptcy records.

The Voice Case Information System provides phone access around the clock. Call (866) 222-8029 to search by case number, name, or Social Security Number. The system provides filing dates, chapter types, and current status. This works for quick checks on Rancho Cordova cases.

In-person searches at the Sacramento courthouse are free. Public terminals let you view complete case files. Staff can help. You only pay for printed copies. The short drive from Rancho Cordova makes this very convenient.

Note: Fee waivers are available for low-income users, pro se litigants, nonprofits, and academic researchers.

Filing Bankruptcy in Rancho Cordova

Rancho Cordova residents file bankruptcy at the Eastern District court in Sacramento. You can hire an attorney or file pro se. The court uses the same procedures for both.

Filing fees vary by chapter. Chapter 7 costs $338. Chapter 13 costs $313. Chapter 11 business filings cost $1,738. If you cannot afford the fee, ask about waivers or installment plans.

Credit counseling is required before filing. Federal law requires an approved course within 180 days of your filing date. A second course on financial management is mandatory after your case ends. Without both certificates, the court will not discharge your debts.

Download all forms from uscourts.gov. Your petition and schedules become public Rancho Cordova bankruptcy records once filed.

Bankruptcy Exemptions for Rancho Cordova Filers

California offers two exemption systems. You pick one or the other. Mixing is not allowed.

System 1 protects up to $722,507 in home equity. Sacramento County home values have risen in recent years, making this high exemption valuable for Rancho Cordova homeowners. System 1 also covers vehicles up to $8,625, tools of trade up to $10,950, and unlimited retirement funds.

System 2 has a smaller homestead of $36,750 but offers a wildcard worth up to $38,700. The wildcard applies to any property. Rancho Cordova residents who rent or have limited home equity often prefer System 2.

Your exemption choice shows in your bankruptcy records. A lawyer can advise which system offers better protection for your assets.

Rancho Cordova Bankruptcy Case Types

Chapter 7 is the most common filing in Rancho Cordova. It eliminates most unsecured debts within months. About 78% of California filers use Chapter 7. Exemptions protect most property.

Chapter 13 involves repaying debts over three to five years. You keep property while making monthly payments. This works for people with regular income who want to catch up on mortgages. About 20% of cases are Chapter 13.

Chapter 11 covers business reorganization. Companies restructure while staying open. Only about 1.5% of filings use this chapter.

All Rancho Cordova bankruptcy records are searchable through PACER regardless of chapter type.

Legal Help for Rancho Cordova Bankruptcy

Resources help Rancho Cordova residents with bankruptcy.

Legal Services of Northern California provides free assistance to qualifying low-income individuals in Sacramento County. The Sacramento County Bar Association operates a lawyer referral service. You can find bankruptcy attorneys through their program.

The federal forms website has all required documents. The Eastern District provides guides for self-represented filers. Many Rancho Cordova residents file on their own successfully.

Before hiring any attorney, verify their license through the California State Bar website.

Nearby Sacramento County Cities

These cities also file through the Eastern District court.