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Bankruptcy Search (QBS) · Bankruptcy search API & monitoring
QBS searches federal bankruptcy court records through PACER, one account at a time, in batches, or with bankruptcy monitoring across your portfolio, so collection, repossession, and foreclosure stop when the automatic stay says they must.
Straight from the court record
A scrub against someone else’s copy of the data can lag the court, or miss a debtor whose identifiers don’t line up. QBS searches PACER itself, returns an image of what it found, and can run alongside the scrub you already use.
Why QBS
Search federal bankruptcy court records at the moment a decision is made: before a collection call, a repossession, a foreclosure referral, or a suit. One person or company in real time, or a whole file at once.
Every search can return a PDF of the PACER screen it relied on, with the search criteria shown, whether a case was found or not. Name the files your way, group them by person or order, and mask SSNs before they reach your system.
A clean search today says nothing about tomorrow. Put accounts under monitoring and QBS reports new filings and docket activity, so a case filed after your last check still reaches the right person.
How you search
The account is on screen, or the next step is about to run.
You have a placement file, a portfolio, or a loan tape.
Accounts need watching for as long as you hold them.
What comes back
Start with the national search. Go to the bankruptcy court for the case summary and dockets only when it matters, for example only for open cases or only for the newest filing, so you don’t pay for PACER pages you won’t use.
Responses itemize the PACER charges each search incurred, and can include an image of the PACER screen, with the search criteria, whether a case was found or not.
Use cases
The automatic stay applies to every creditor, not just mortgage servicers. Here’s how teams in each industry use QBS.
A filing changes what a servicer may do with a loan, often overnight.
Consumer and auto portfolios need a check before each collection step, and a watch in between.
From search result to workflow
On QBO, a bankruptcy is a case on the loan or account. It holds the chapter, court, case number, filing date, bar date, the trustee and debtor’s attorney, and ledgers for the proof of claim and pre- and post-petition amounts.
Proof of claim and motion for relief cases start their workflow from your template automatically, and route to the right team’s worklist with due dates. Bankruptcy counsel can work the file in QBO and see only the cases referred to them.
Workflow · before the action
Integration
Call QBS from your servicing platform, collection system, or case management system, so the search is part of the flow and can’t be skipped.
Current API availability is on the Quandis status page ↗.
Bankruptcy Search API
| POST | /api/bankruptcy/instant | Real-time search for one person or company |
| POST | /api/bankruptcy/search | Submit a batch order |
| GET | /api/bankruptcy/search/pop | Pick up recently completed orders |
| POST | /api/bankruptcy/regional | Case summary from the bankruptcy court |
| POST | /api/bankruptcy/dockets | Docket entries for a case |
| POST | /api/bankruptcy/documents | Retrieve filed documents |
FAQ
QBS is a business-to-business service for organizations with a permissible purpose, such as lenders, servicers, credit unions, collectors, law firms, and loan buyers. It is not available to consumers.
From PACER, the federal judiciary’s Public Access to Court Electronic Records system. QBS searches the national case locator and, when you ask for it, the bankruptcy court’s own case summary, dockets, and filed documents. AI plays no part in finding or reporting a case.
A full SSN with the last name, the last four digits of the SSN with the party’s name, or a company name, optionally with an EIN. When no SSN is on file, QBS can look up candidate SSNs from a full name and address and search each one, within a threshold you set.
Searches run under your organization’s PACER account, which you register with Quandis during setup. Each response itemizes the PACER charges the search incurred, so you can reconcile them.
You choose when to go beyond the national search: always, never, only for open cases, or only for the newest or oldest filing. Thresholds stop follow-on searches when a common name returns too many cases, and the response tells you when a threshold was reached.
Yes. Add accounts to one or more monitoring lists, using your own account reference. QBS reports new bankruptcies and docket changes for those accounts, and you can remove an account when you no longer hold it.
Use the REST API with an API key in the X-ApiKey header, over HTTPS, with JSON responses. Batch results can be delivered to your endpoint or picked up when ready. If you run QBO, results land on the loan or account as a bankruptcy case.
Bankruptcy Search runs on the QBO platform. The QBO platform has a SOC 2 Type 2 attestation report from A-LIGN, and the information security management system that protects it is certified to ISO 27001:2022. API access requires a key, rate limits apply per key, and SSNs can be masked on PACER images. Security documentation is available in the Quandis Trust Center.
Need military status checks at the same steps? See Military Search for SCRA and MLA verification, and how both fit together in compliance and risk on QBO.
Documentation
Read results, configure search depth and image packages, and integrate with the API.
Read the Bankruptcy Search guide →Built on QBOBankruptcy Search runs on the same orchestration platform as everything Quandis builds — cases, documents, rules, audit trails, and partner-safe security included.
Explore the QBO Platform →