Going through a bankruptcy isn’t always easy. It is tough to come to the realization that you aren’t going to pay everything back. It is tough to try to work out a settlement with creditors and lenders. On top of all of that, you may have had to find legal representation throughout the process. But once a settlement is in place, the situation does get better. The worst is behind you and you are ready to move on with your life.However, one of the most important things that you need to walk away from this type of situation is the bankruptcy discharge papers . The discharge is not always readily available. The timing typically depends on the type of bankruptcy you have filed along with the response and petitions of the creditors involved in your case. If you are on a payment plan, you may not receive your bankruptcy discharge papers until all of your payments have been met. In other cases, the discharge papers may be accessible months after the final settlement is reached. It all depends on your specific information.These discharge papers are usually granted as long as there are no real objections. Once the case is complete, the courts will mail out a copy to each of the lenders and creditors to ensure that they are all aware of the settlement. With these papers comes a letter that warns the creditors to discontinue pursuing a person for the money owed.Even though these papers are sent out automatically to each creditor, it is always a good idea to have a set on hand in case a problem does arise or you are contacted by a creditor that is covered under the bankruptcy discharge. In this case you would need to send a certified letter letting them know that they were covered under your bankruptcy settlement. You should also include the bankruptcy discharge papers to provide them with the evidence needed.When the time comes to get your life back on track financially, the bankruptcy records can be a helpful tool. If you are planning to purchase a home in the near future, you will have to have the bankruptcy discharge papers to show the lender or mortgage company. In some cases you may need all of the paperwork pertaining to your case. As you work to rebuild your credit and even apply for new credit, you may need to be able to produce the bankruptcy discharge papers. Always keep at least one copy of this type of paperwork.If you don’t have a copy of the bankruptcy discharge records , there are several different ways to obtain them. You can usually go directly through the court system to obtain the information and copies that you need. Check to see if these records are offered online. If so, you can place the order and have the paperwork delivered to you. You can also call or go down to the court’s office and pick up a copy. It is important to note that there will be a fee for the papers. If the bankruptcy took place several years ago, you could potentially need to pay a fee for someone to search through the archives.In most cases, a third party can order the papers for you. While the fees are typically a little more than you would pay going directly through the courts, the process is faster. You can get what you need and send out the papers quickly and with less hassle.