Pacer is short for Public Access to Court Electronic Records. The Pacer, in simpler  terms, is a form of electronic public access service, allowing individuals and companies access to court data bases. There are many forms of court generated data bases that can be reached through Pacer including a bankruptcy data base. In order to access the Pacer bankruptcy data base, a simple registration process is required and a fee payable. This can be a one off fee or an annual one, depending on the number of times you may need to consult the bankruptcy database.

Interesting enough, each court with the United States Judiciary operates its own bankruptcy database, each being interlinked to the national data base. However in order to access information from Pacer, it is necessary to contact the court in which the judgement was passed. The Pacer bankruptcy data base is available online, and each item of information can be accessed and downloaded immediately upon payment of a token fee.

The Pacer bankruptcy database is widely used by attorneys and lawyers, and with the increasing trend to file for bankruptcy on line this option is proving to be very favorable for all concerned. For the debtor and the creditor, there is no need to appear too often in court, and for the bankruptcy courts themselves, valuable time is saved. Debtors who would like to access the bankruptcy database to receive an update on their status are unable to do so, at least for the time being. They can only access the Pacer bankruptcy database through the lawyer that is represented as being their representative.

For individuals of companies that want a simple and one time access to a bankruptcy database, then the Pacer is the most ideal of options. The costs are not high on a one to one basis, and can be through credit card billing mails. For regular users  quarterly statements can be issued, and for lawyers of finance companies all fees are totally tax deductible. Information that appears in the Pacer  bankruptcy date base is constantly being updated, in real time, and there is no chance of any incorrect information being downloaded.

Many of the larger finance companies operate their own bankruptcy date base, usually because it allows them greater flexibility. They can access information on individuals from all over the country in a few clicks of the mouse, without the need to pay a fee on every occasion. The bulk of the information that will be contained in their in-house bankruptcy database will have been gathered as a result of cooperation amongst other finance agencies, and will be totally confidential.

The information held in the bankruptcy data base will be totally cross referenced. Information contained will cover both individuals and companies. It will be broken down to include the form of bankruptcy, when it was declared and if and when it was discharged as well as full contact information.

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