We’ve all seen those little ads in the “legal notices” section of the paper that alert potential creditors to someone’s bankruptcy, but those are for larger bankruptcies. If the assets are minimal, the creditors are notified by mail and there’s generally no notice in the paper. While bankruptcy filings are a matter of public record, few people go through the effort (registration required) and expense ($8) of searching through them. So unless you tell them, there’s a good chance that friends, neighbours and work colleagues won’t find out about your filing. A credit check may be another story, as bankruptcy will show up on the credit bureau fairly quickly after you have filed.