Access Floyd County Bankruptcy Records

Floyd County bankruptcy records are filed with the U.S. Bankruptcy Court for the Southern District of Indiana, New Albany Division. New Albany is both the county seat and the home of the federal court office that handles these filings. Looking up a bankruptcy case in Floyd County is straightforward through the PACER database. You can search online by name or case number, call the automated phone line, or visit the New Albany court office. This guide covers where to find Floyd County bankruptcy records, fees, and how different chapters work.

Searching Floyd County Bankruptcy Records

PACER is the primary way to search Floyd County bankruptcy records online. The federal database lets you look up cases by debtor name or case number. It costs $0.10 per page to view documents. There is a $3.00 cap on each individual document. Quarterly fees under $30 get waived. Registration is free and takes only a few minutes to complete.

Phone access works for quick lookups. The McVCIS line at (866) 222-8029 provides basic case data for Floyd County bankruptcy filings at no cost. The automated system shares the debtor name, case number, filing date, chapter type, trustee, and status. You do not need a password.

The New Albany court office is the most convenient option for in-person searches of Floyd County bankruptcy records. Since New Albany is the county seat, residents do not have to travel far. The office has public terminals for free searches. Staff can help you pull documents and make copies. Bring your photo ID. Office hours are Monday through Friday.

Floyd County Federal Court Information

The U.S. Bankruptcy Court for the Southern District of Indiana handles all Floyd County bankruptcy filings through the New Albany Division. This makes Floyd County one of the few in Indiana where the federal court office is right in the county seat. The Southern District's main office is in Indianapolis, but the New Albany branch is the local option.

The Floyd County Clerk at 311 W 1st St in New Albany processes state court matters. Call (812) 948-5450 with questions about state records. The clerk handles civil, criminal, and family cases at the county level. Bankruptcy filings are a federal matter and are not kept at the county clerk's office. All Floyd County bankruptcy records stay with the federal court system.

The Southern District website lists forms, fees, and procedures that apply to Floyd County bankruptcy cases.

Under 11 U.S.C. Section 107, bankruptcy records are public. Anyone can search Floyd County filings without stating a reason. The law makes only limited exceptions for trade secrets and certain personal details.

Types of Bankruptcy Filed in Floyd County

Chapter 7 is the most common type in Floyd County. It clears most unsecured debts through liquidation. The fee is $338. Filers must meet the means test under 11 U.S.C. Section 109. This test compares household income to the Indiana median. If income exceeds the limit, the case may be converted to Chapter 13. Chapter 7 cases usually close in three to four months.

Chapter 13 lets Floyd County filers keep their property while paying back debt over time. The plan runs three to five years. The fee is $313. Homeowners use it to catch up on mortgage payments. Car owners use it to stop repossession. The debtor pays a trustee each month, and the trustee sends money to creditors.

Chapter 11 covers business reorganizations at $1,738. It is less common in Floyd County but does come up for larger businesses. Chapter 12 is for family farmers at $278. All chapter types produce bankruptcy records that are stored in the federal court system.

Note: Under 11 U.S.C. Section 523, debts like child support, most taxes, and student loans usually survive a discharge regardless of which chapter was filed.

Getting Copies of Floyd County Filings

PACER lets you download Floyd County bankruptcy records at $0.10 per page. Certified copies from the New Albany clerk cost $11 per document plus $0.50 per extra page. Exemplified copies run $22 per document. Audio recordings of hearings are $2.40 each. These are standard federal court fees that apply everywhere in the country.

When a bankruptcy petition is filed in Floyd County, an automatic stay goes into effect under 11 U.S.C. Section 362. This stay blocks most collection actions. Wage garnishments stop. Foreclosure sales pause. Creditor phone calls must end. The stay remains in place until the court lifts it or the case closes. This information appears in the Floyd County bankruptcy case record.

The Indiana Courts Directory is a good resource for finding contact details for courts that serve Floyd County.

Use the directory to confirm office hours and phone numbers before visiting.

Online Tools for Floyd County Cases

Two main systems serve Floyd County residents looking for court records. PACER is the federal database where you find bankruptcy filings. The mycase.in.gov portal handles Indiana state court records. State records cover civil suits, criminal cases, and family law matters. But the state system does not include bankruptcy records.

For Floyd County bankruptcy records, start with PACER. If you want to see other case types involving the same person, check mycase.in.gov as a second step. Between these two systems, you can get a full picture of court activity in Floyd County. The Indiana State Library can also help with historical records and research support for older filings.

Cities in Floyd County

Floyd County includes New Albany, Georgetown, Greenville, and several smaller communities. All residents file bankruptcy at the Southern District office in New Albany. The county clerk at 311 W 1st St in New Albany handles state records but not bankruptcy filings.

Other Floyd County communities like Georgetown and Greenville also use the same New Albany federal court office for bankruptcy cases.

Nearby Counties

These counties border Floyd County. All fall under the Southern District of Indiana for bankruptcy filings.