Your bankruptcy discharged this debt, no matter how often it is
sold (and resold). Send the collection agency and the credit
reporting agency a copy of your discharge and your Schedule F
showing the creditor and ask the former to go away and the later
to fix its records.
--
Brett
************************************************** ***************
* Personal Injury/Malpractice Bankruptcy *
* *
* BRETT WEISS, P.C. *
* Attorneys at Law *
* Maryland, D.C. and Federal Bars *
* lawyer@erols.com *
* http://www.erols.com/lawyer *
* *
* Small Business Estates & Estate Planning *
************************************************** ***************
The Small Print: This response is for discussion purposes only.
It isn't meant to be legal advice and you shouldn't treat it as
such. If you want legal advice, speak with a local lawyer
familiar with your state's laws who can review *all* of the facts
and the law applicable to your situation.
************************************************** ***************
"brenda596" <brenda596@hotmail.com> wrote in message
news:461744f3.0307291618.7f811392@posting.google.c om... My ch7 was discharged in August 2002 but my credit reports are
showing a credit card account (sold to a collection agency) with a past
due balance. I know the credit card was included in the bankruptcy
but what about the collection agency? Since they weren't listed do
I need to pay this account? My credit reports from Experian and
Equifax both list this account with the collection agency as "Seriously past
due". Thanks in advance. Brenda
Michael and Amanda Shenouda
07-29-2003, 08:25 PM
Brett,
what happens if you do send those letter and the credit reporting agency
doesn't change anything, and the collection agency still keeps reporting
it, "seriously past due"
TIA
MS
"Brett Weiss" <lawyer@erols.com> wrote in message
news:vbGdnQHroq90i7qiU-KYvg@comcast.com... Brenda: Your bankruptcy discharged this debt, no matter how often it is sold (and resold). Send the collection agency and the credit reporting agency a copy of your discharge and your Schedule F showing the creditor and ask the former to go away and the later to fix its records. -- Brett ************************************************** *************** * Personal Injury/Malpractice Bankruptcy * * * * BRETT WEISS, P.C. * * Attorneys at Law * * Maryland, D.C. and Federal Bars * * lawyer@erols.com * * http://www.erols.com/lawyer * * * * Small Business Estates & Estate Planning * ************************************************** *************** The Small Print: This response is for discussion purposes only. It isn't meant to be legal advice and you shouldn't treat it as such. If you want legal advice, speak with a local lawyer familiar with your state's laws who can review *all* of the facts and the law applicable to your situation. ************************************************** *************** "brenda596" <brenda596@hotmail.com> wrote in message news:461744f3.0307291618.7f811392@posting.google.c om... My ch7 was discharged in August 2002 but my credit reports are showing a credit card account (sold to a collection agency) with a past due balance. I know the credit card was included in the bankruptcy but what about the collection agency? Since they weren't listed do I need to pay this account? My credit reports from Experian and Equifax both list this account with the collection agency as "Seriously past due". Thanks in advance. Brenda
PWB
07-30-2003, 05:29 AM
Michael,
Sometimes it takes several go-arounds with the CRAs before they correctly
report items.
When I started working on correcting my credit reports, I had 14 errors on
my TransUnion report, eight errors on the Experian report, and seven on the
Equifax report. When I sent off my most recent dispute letters (this is
round #2), I had seven errors remaining on the TU, four on Experian, and
three on Equifax.
It takes time, and patience, to correct everything. Oh, it also takes
copies of your individual credit reports. <g>
PWB
"Michael and Amanda Shenouda" <twoshenoudas@adelphia.net> wrote in message
news:5VGVa.5472$gn6.1308834@news1.news.adelphia.ne t... Brett, what happens if you do send those letter and the credit reporting agency doesn't change anything, and the collection agency still keeps reporting it, "seriously past due" TIA MS "Brett Weiss" <lawyer@erols.com> wrote in message news:vbGdnQHroq90i7qiU-KYvg@comcast.com... Brenda: Your bankruptcy discharged this debt, no matter how often it is sold (and resold). Send the collection agency and the credit reporting agency a copy of your discharge and your Schedule F showing the creditor and ask the former to go away and the later to fix its records. -- Brett ************************************************** *************** * Personal Injury/Malpractice Bankruptcy * * * * BRETT WEISS, P.C. * * Attorneys at Law * * Maryland, D.C. and Federal Bars * * lawyer@erols.com * * http://www.erols.com/lawyer * * * * Small Business Estates & Estate Planning * ************************************************** *************** The Small Print: This response is for discussion purposes only. It isn't meant to be legal advice and you shouldn't treat it as such. If you want legal advice, speak with a local lawyer familiar with your state's laws who can review *all* of the facts and the law applicable to your situation. ************************************************** *************** "brenda596" <brenda596@hotmail.com> wrote in message news:461744f3.0307291618.7f811392@posting.google.c om... My ch7 was discharged in August 2002 but my credit reports are showing a credit card account (sold to a collection agency) with a past due balance. I know the credit card was included in the bankruptcy but what about the collection agency? Since they weren't listed do I need to pay this account? My credit reports from Experian and Equifax both list this account with the collection agency as "Seriously past due". Thanks in advance. Brenda
Brett Weiss
07-30-2003, 08:42 AM
You have the right to file suit under the Fair Credit Reporting
Act, as well as the common law tort of "slander of credit."
Speak with a consumer law attorney for more details.
--
Brett
************************************************** ***************
* Personal Injury/Malpractice Bankruptcy *
* *
* BRETT WEISS, P.C. *
* Attorneys at Law *
* Maryland, D.C. and Federal Bars *
* lawyer@erols.com *
* http://www.erols.com/lawyer *
* *
* Small Business Estates & Estate Planning *
************************************************** ***************
The Small Print: This response is for discussion purposes only.
It isn't meant to be legal advice and you shouldn't treat it as
such. If you want legal advice, speak with a local lawyer
familiar with your state's laws who can review *all* of the facts
and the law applicable to your situation.
************************************************** ***************
"Michael and Amanda Shenouda" <twoshenoudas@adelphia.net> wrote
in message news:5VGVa.5472$gn6.1308834@news1.news.adelphia.ne t... Brett, what happens if you do send those letter and the credit
reporting agency doesn't change anything, and the collection agency still keeps
reporting it, "seriously past due" TIA MS "Brett Weiss" <lawyer@erols.com> wrote in message news:vbGdnQHroq90i7qiU-KYvg@comcast.com... Brenda: Your bankruptcy discharged this debt, no matter how often it
is sold (and resold). Send the collection agency and the credit reporting agency a copy of your discharge and your Schedule F showing the creditor and ask the former to go away and the
later to fix its records. -- Brett
************************************************** *************** * Personal Injury/Malpractice
Bankruptcy * *
* * BRETT WEISS, P.C.
* * Attorneys at Law
* * Maryland, D.C. and Federal Bars
* * lawyer@erols.com
* * http://www.erols.com/lawyer
* *
* * Small Business Estates & Estate
Planning *
************************************************** *************** The Small Print: This response is for discussion purposes
only. It isn't meant to be legal advice and you shouldn't treat it
as such. If you want legal advice, speak with a local lawyer familiar with your state's laws who can review *all* of the
facts and the law applicable to your situation.
************************************************** *************** "brenda596" <brenda596@hotmail.com> wrote in message news:461744f3.0307291618.7f811392@posting.google.c om... My ch7 was discharged in August 2002 but my credit reports
are showing a credit card account (sold to a collection agency) with a
past due balance. I know the credit card was included in the
bankruptcy but what about the collection agency? Since they weren't
listed do I need to pay this account? My credit reports from Experian and Equifax both list this account with the collection agency as "Seriously
past due". Thanks in advance. Brenda
