When filing bankruptcy you will need to get your recorded deed, your recorded mortgagea nd property tax bill for each parcel of real estate you own.
"Essential Documents for Bankruptcy Filing: How to Obtain Your Recorded Deed, Mortgage, and Property Tax Bill"
Recorded Deed
A filed-stamped copy of your recorded deed is required when filing for bankruptcy.
The recorded deed is the document filed with the Register of Deeds that verifies you as the rightful owner of your real estate property.
You may be able to obtain this document online, but it can sometimes be challenging to find exactly what you need.
For accuracy, we recommend going directly to the county courthouse in the county where you reside, visiting the Register of Deeds, and requesting a copy of your recorded deed. Mention that you’re filing for bankruptcy if you’re comfortable, but it’s not necessary to share that detail.
Be prepared to pay a small fee to obtain this document.
If you have difficulty obtaining this document, please reach out to your Client Service Manager at Miller & Miller; we may be able to assist in retrieving it for an additional fee.
Recorded Mortgage
You’ll need file stamped copy of your recorded mortgage when filing for bankruptcy.
A mortgage is a legal agreement where your property serves as collateral for the loan used to purchase it.
Although you may be able to find this document online, going directly to the county courthouse at the Register of Deeds is often more reliable.
At the courthouse, request a copy of your recorded mortgage, mentioning that it’s for a bankruptcy filing if you feel comfortable, though this detail isn’t mandatory.
A fee will apply to obtain a copy of your recorded mortgage.
If obtaining this document proves challenging, contact your Client Service Manager at Miller & Miller for assistance. We may be able to obtain it on your behalf for an additional fee.
Property Tax Bill
A copy of your most recent property tax bill is required.
You can often find this document online, typically on your city, town, or village’s website.
When obtaining the property tax bill, make sure it’s the version that shows the fair market value of your home, as assessed by your municipality.
If you’re unable to access this document, reach out to your Client Service Manager at Miller & Miller, as we may be able to assist for an additional fee.