Before the commencement of a case by an individual whose debts are primarily consumer debts, the clerk issues to such individual written notice containing a brief description of various chapters of the Bankruptcy Code like chapters 7, 11, 12, and 13 and the general purpose, benefits, and costs of proceeding under each of those chapters and also the types of services available from credit counselling agencies.
The notice also specifies that a person who knowingly or fraudulently conceals assets or makes a false statement under penalty of perjury in connection with a case under this Code, is subject to fine, imprisonment, or both; and all information supplied by a debtor in connection with a case under this title is subject to examination by the Attorney General.
If the notice is required to be given by the debtor to a creditor, any rule, any applicable law, or any order of the court, such notice must contain the name, address, and last 4 digits of the taxpayer identification number of the debtor. If the notice concerns an amendment that adds a creditor to the schedules of assets and liabilities, the debtor is supposed to include the full taxpayer identification number in the notice sent to that creditor. However, the debtor shall include only the last 4 digits of the taxpayer identification number in the copy of the notice filed with the court.
If, within the 90 days before the commencement of a voluntary case, a creditor supplies the debtor in at least 2 communications sent to the debtor with the current account number of the debtor and the address at which such creditor requests to receive correspondence, then any notice to be sent by the debtor to such creditor must be sent to such address and shall include such account number.
Any notice provided to a creditor by the debtor or the court other than in accordance with this provision, is a non-effective notice until such notice is brought to the attention of the creditor.