In 1997 I was named as a defendant in a frivilous lawsuit filed against me by
and ex-employer.

In January of 1999 I filed a petition for bankruptcy through an attorney. At
the time I owed no one any money and had always maintained an excellent credit
rating and no one else other then the plaintiffs in the civil suit were listed
as creditors

My former employer contested the bankruptcy and the bankruptcy court said the
case must return to civil court an be heard to it's completion. The bankruptcy
then issued a final decree granting me bankruptcy 3 months later.

After the bankruptcy hearing events turned and I filed a countersuit against my
employer over false accuations. i did all of this in federal court without the
aid of an attorney.

There was a pretrial hearing in May of this year and the plaintiffs stated they
would no longer pursue their claim agaist me if I dropped my counter claim. I
refused but eventually did and on terms favorable to me.

My problem is now I have a bankruptcy on my creit reports, a bankruptcy in
which I owed no one money and no creditors listed. I am denied credit when
I apply for a card strictly because I filed for bankruptcy which was approved
by the court.

Is there a way to reverse this bankruptcy and have it removed from the court
files so it does not appear on my credit rating.

Is it too late to do this, would it be costly to do even if it could be
accomplished?

Thank You

Lisa J

> Is there a way to reverse this bankruptcy and have it removed from the
court files so it does not appear on my credit rating.

The short answer is, "No".

--
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.
************************************************** ***************


"Lisa J" <lisa_j@nomail.com> wrote in message
news:5_qBb.11$l25.126356@news.abs.net... In 1997 I was named as a defendant in a frivilous lawsuit filed against me
by and ex-employer. In January of 1999 I filed a petition for bankruptcy through an attorney.
At the time I owed no one any money and had always maintained an excellent
credit rating and no one else other then the plaintiffs in the civil suit were
listed as creditors My former employer contested the bankruptcy and the bankruptcy court said
the case must return to civil court an be heard to it's completion. The
bankruptcy then issued a final decree granting me bankruptcy 3 months later. After the bankruptcy hearing events turned and I filed a countersuit
against my employer over false accuations. i did all of this in federal court
without the aid of an attorney. There was a pretrial hearing in May of this year and the plaintiffs stated
they would no longer pursue their claim agaist me if I dropped my counter
claim. I refused but eventually did and on terms favorable to me. My problem is now I have a bankruptcy on my creit reports, a bankruptcy in which I owed no one money and no creditors listed. I am denied credit
when I apply for a card strictly because I filed for bankruptcy which was
approved by the court. Is there a way to reverse this bankruptcy and have it removed from the
court files so it does not appear on my credit rating. Is it too late to do this, would it be costly to do even if it could be accomplished? Thank You Lisa J

Thanks I didn't think so. But I do feel that the credit reporting agencies
should indicate that there were no creditors affected by the filing.

Why the court in Baltimore denied my filing in response to a lawsuit, and then
issued a final decree approving a bankruptcy in which absloutely no creditors
were listed makes absolutely no sense to me.



In article <n-SdnUCv_KMP5kuiRVn-vg@comcast.com>, lawyer@erols.com says... Is there a way to reverse this bankruptcy and have it removed from thecourt files so it does not appear on my credit rating.The short answer is, "No".--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'tmeant to be legal advice and you shouldn't treat it as such. If you wantlegal advice, speak with a local lawyer familiar with your state's laws whocan review *all* of the facts and the law applicable to your situation.**************************************** *************************"Lisa J" <lisa_j@nomail.com> wrote in messagenews:5_qBb.11$l25.126356@news.abs.net... In 1997 I was named as a defendant in a frivilous lawsuit filed against meby and ex-employer. In January of 1999 I filed a petition for bankruptcy through an attorney.At the time I owed no one any money and had always maintained an excellentcredit rating and no one else other then the plaintiffs in the civil suit werelisted as creditors My former employer contested the bankruptcy and the bankruptcy court saidthe case must return to civil court an be heard to it's completion. Thebankruptcy then issued a final decree granting me bankruptcy 3 months later. After the bankruptcy hearing events turned and I filed a countersuitagainst my employer over false accuations. i did all of this in federal courtwithout the aid of an attorney. There was a pretrial hearing in May of this year and the plaintiffs statedthey would no longer pursue their claim agaist me if I dropped my counterclaim. I refused but eventually did and on terms favorable to me. My problem is now I have a bankruptcy on my creit reports, a bankruptcy in which I owed no one money and no creditors listed. I am denied creditwhen I apply for a card strictly because I filed for bankruptcy which wasapproved by the court. Is there a way to reverse this bankruptcy and have it removed from thecourt files so it does not appear on my credit rating. Is it too late to do this, would it be costly to do even if it could be accomplished? Thank You Lisa J

On Wed, 10 Dec 2003 10:10:51 -0500, Lisa J <lisa_j@nomail.com> wrote:
Thanks I didn't think so. But I do feel that the credit reporting agenciesshould indicate that there were no creditors affected by the filing.Why the court in Baltimore denied my filing in response to a lawsuit, and thenissued a final decree approving a bankruptcy in which absloutely no creditorswere listed makes absolutely no sense to me.
You can put a letter in your file explaining what happened, every
little bit helps.In article <n-SdnUCv_KMP5kuiRVn-vg@comcast.com>, lawyer@erols.com says... Is there a way to reverse this bankruptcy and have it removed from thecourt files so it does not appear on my credit rating.The short answer is, "No".--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'tmeant to be legal advice and you shouldn't treat it as such. If you wantlegal advice, speak with a local lawyer familiar with your state's laws whocan review *all* of the facts and the law applicable to your situation.**************************************** *************************"Lisa J" <lisa_j@nomail.com> wrote in messagenews:5_qBb.11$l25.126356@news.abs.net... In 1997 I was named as a defendant in a frivilous lawsuit filed against meby and ex-employer. In January of 1999 I filed a petition for bankruptcy through an attorney.At the time I owed no one any money and had always maintained an excellentcredit rating and no one else other then the plaintiffs in the civil suit werelisted as creditors My former employer contested the bankruptcy and the bankruptcy court saidthe case must return to civil court an be heard to it's completion. Thebankruptcy then issued a final decree granting me bankruptcy 3 months later. After the bankruptcy hearing events turned and I filed a countersuitagainst my employer over false accuations. i did all of this in federal courtwithout the aid of an attorney. There was a pretrial hearing in May of this year and the plaintiffs statedthey would no longer pursue their claim agaist me if I dropped my counterclaim. I refused but eventually did and on terms favorable to me. My problem is now I have a bankruptcy on my creit reports, a bankruptcy in which I owed no one money and no creditors listed. I am denied creditwhen I apply for a card strictly because I filed for bankruptcy which wasapproved by the court. Is there a way to reverse this bankruptcy and have it removed from thecourt files so it does not appear on my credit rating. Is it too late to do this, would it be costly to do even if it could be accomplished? Thank You Lisa J

I was always advised to NEVER put an explanation letter in a credit file. It
is an admission that something happened and it doesn't help anyway. Nobody
every reads these things and it won't help your score..
<chiefboats@cox.net> wrote in message
news:rlnetvcg7441ncmp05q2t0h03j1ah8svid@4ax.com... On Wed, 10 Dec 2003 10:10:51 -0500, Lisa J <lisa_j@nomail.com> wrote:Thanks I didn't think so. But I do feel that the credit reporting
agenciesshould indicate that there were no creditors affected by the filing.Why the court in Baltimore denied my filing in response to a lawsuit, and
thenissued a final decree approving a bankruptcy in which absloutely no
creditorswere listed makes absolutely no sense to me. You can put a letter in your file explaining what happened, every little bit helps.In article <n-SdnUCv_KMP5kuiRVn-vg@comcast.com>, lawyer@erols.com says...> Is there a way to reverse this bankruptcy and have it removed from thecourt> files so it does not appear on my credit rating.The short answer is, "No".--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'tmeant to be legal advice and you shouldn't treat it as such. If you wantlegal advice, speak with a local lawyer familiar with your state's laws
whocan review *all* of the facts and the law applicable to your situation.**************************************** *************************"Lisa J" <lisa_j@nomail.com> wrote in messagenews:5_qBb.11$l25.126356@news.abs.net...> In 1997 I was named as a defendant in a frivilous lawsuit filed
against meby> and ex-employer.>> In January of 1999 I filed a petition for bankruptcy through an
attorney.At> the time I owed no one any money and had always maintained an
excellentcredit> rating and no one else other then the plaintiffs in the civil suit
werelisted> as creditors>> My former employer contested the bankruptcy and the bankruptcy court
saidthe> case must return to civil court an be heard to it's completion. Thebankruptcy> then issued a final decree granting me bankruptcy 3 months later.>> After the bankruptcy hearing events turned and I filed a countersuitagainst my> employer over false accuations. i did all of this in federal courtwithout the> aid of an attorney.>> There was a pretrial hearing in May of this year and the plaintiffs
statedthey> would no longer pursue their claim agaist me if I dropped my counterclaim. I> refused but eventually did and on terms favorable to me.>> My problem is now I have a bankruptcy on my creit reports, a
bankruptcy in> which I owed no one money and no creditors listed. I am denied creditwhen> I apply for a card strictly because I filed for bankruptcy which wasapproved> by the court.>> Is there a way to reverse this bankruptcy and have it removed from thecourt> files so it does not appear on my credit rating.>> Is it too late to do this, would it be costly to do even if it could
be> accomplished?>> Thank You>> Lisa J>

The only consumer statement you should put on your credit bureau is a
statement help prevent ID Theft.
To verify all info given with your current home number and work number
Albeit that you should be current w/ your creditors
any other statment of explanation does not help.

Albert

"Ferlin" <damaynar@ticon.net> wrote in message
news:3fd7b5c8$0$31399$18feec2b@news.ticon.net... I was always advised to NEVER put an explanation letter in a credit file.
It is an admission that something happened and it doesn't help anyway. Nobody every reads these things and it won't help your score.. <chiefboats@cox.net> wrote in message news:rlnetvcg7441ncmp05q2t0h03j1ah8svid@4ax.com... On Wed, 10 Dec 2003 10:10:51 -0500, Lisa J <lisa_j@nomail.com> wrote:Thanks I didn't think so. But I do feel that the credit reporting agenciesshould indicate that there were no creditors affected by the filing.Why the court in Baltimore denied my filing in response to a lawsuit,
and thenissued a final decree approving a bankruptcy in which absloutely no creditorswere listed makes absolutely no sense to me. You can put a letter in your file explaining what happened, every little bit helps.In article <n-SdnUCv_KMP5kuiRVn-vg@comcast.com>, lawyer@erols.com
says...>>>> Is there a way to reverse this bankruptcy and have it removed from
the>court>> files so it does not appear on my credit rating.>>The short answer is, "No".>>-->Brett>>************************************************** ***************>* Personal Injury/Malpractice Bankruptcy *>* *>* BRETT WEISS, P.C. *>* Attorneys at Law *>* Maryland, D.C. and Federal Bars *>* lawyer@erols.com *>* http://www.erols.com/lawyer *>* *>* Small Business Estates & Estate Planning *>************************************************** ***************>>The Small Print: This response is for discussion purposes only. It
isn't>meant to be legal advice and you shouldn't treat it as such. If you
want>legal advice, speak with a local lawyer familiar with your state's
laws who>can review *all* of the facts and the law applicable to your
situation.>************************************************** ***************>>>"Lisa J" <lisa_j@nomail.com> wrote in message>news:5_qBb.11$l25.126356@news.abs.net...>> In 1997 I was named as a defendant in a frivilous lawsuit filed against me>by>> and ex-employer.>>>> In January of 1999 I filed a petition for bankruptcy through an attorney.>At>> the time I owed no one any money and had always maintained an excellent>credit>> rating and no one else other then the plaintiffs in the civil suit were>listed>> as creditors>>>> My former employer contested the bankruptcy and the bankruptcy court said>the>> case must return to civil court an be heard to it's completion. The>bankruptcy>> then issued a final decree granting me bankruptcy 3 months later.>>>> After the bankruptcy hearing events turned and I filed a countersuit>against my>> employer over false accuations. i did all of this in federal court>without the>> aid of an attorney.>>>> There was a pretrial hearing in May of this year and the plaintiffs stated>they>> would no longer pursue their claim agaist me if I dropped my counter>claim. I>> refused but eventually did and on terms favorable to me.>>>> My problem is now I have a bankruptcy on my creit reports, a bankruptcy in>> which I owed no one money and no creditors listed. I am denied
credit>when>> I apply for a card strictly because I filed for bankruptcy which was>approved>> by the court.>>>> Is there a way to reverse this bankruptcy and have it removed from
the>court>> files so it does not appear on my credit rating.>>>> Is it too late to do this, would it be costly to do even if it could be>> accomplished?>>>> Thank You>>>> Lisa J>>>>