Is there an action for intentional inflictional of emotional distress waranted. Also, is there a case against this company for misreporting my credit? I will be willing to join a class-action.
2006-06-20 09:46:45 · 7 answers · asked by Craig W 1 in Business & Finance ➔ Credit
Call your bankruptcy lawyer. They can take care of this for you.
2006-06-20 14:27:59 · answer #1 · answered by Hula Girl 4 · 0⤊ 0⤋
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RE I filed bankruptcy and on 01/2003 BK was discharged. There is a former creditor who continues showing me late.
Is there an action for intentional inflictional of emotional distress waranted. Also, is there a case against this company for misreporting my credit? I will be willing to join a class-action.
2014-10-09 04:03:55 · answer #2 · answered by ? 1 · 0⤊ 0⤋
The state law is important in this case. In CA, a creditor can legally keep your account as showing delinquent for approximately 7 years, regardless if this account was included in the BK. Most lenders don't care and will dissolve the account but some (mostly credit unions) will use this right. The easy way to quickly resolve problems is to keep a copy of your BK handy and provide it when you're applying for a loan to show the lender that it was included and has been discharged.
2006-06-20 18:27:14 · answer #3 · answered by pico_pica81 1 · 0⤊ 0⤋
Have you contacted the 3 major credit reporting agencies and tried thru them to get it resolved? We had a 30 day late from five years ago still showing on our "recent" late pays. This was totally the fault of the reporting agency and not the creditor. Seems to me your beef might be with the reporting agencies and not the creditor.
2006-06-20 16:53:22 · answer #4 · answered by Jenn 2 · 0⤊ 0⤋
If the creditor was included in your bankruptcy, then they should be showing " account closed. Included in bankruptcy". Contact youe lawyer that handled your case to make sure they were included in the filing. If yes, then they have to legally state that, if not then they can continue to mark your account as late until its resolved.
2006-06-20 16:51:21 · answer #5 · answered by mbgy2110 2 · 0⤊ 0⤋
Have you mailed a copy of the discharge papers to the creditor? Have you contacted the credit reporting agencies? You know Experian.....
I would do this first then call a lawyer.
2006-06-20 16:53:54 · answer #6 · answered by Anistasia 2 · 0⤊ 0⤋
Depends on the laws in your state. Some states restrict settlements to actual damages. You can consult with the credit reporting agencies and provide evidence of the bankruptcy and they should take care of removing it from your report.
2006-06-20 16:52:30 · answer #7 · answered by bigtony615 4 · 0⤊ 0⤋