2006-08-13 17:07:50 · 6 answers · asked by sweetbaker2003 1 in Business & Finance ➔ Credit
When you went through your bankruptcy, the Lawyer should have given you a piece of paper listing all your creditors that you owed money to, the date that you filed for bankruptcy, and the date which you have been absolved from all your debt. If you don't have a copy of it, call your lawyer and ask him to either mail or fax it to you. Then send the creditor, the INITIAL creditor, not the collections people a copy of the certificate I'm talking about. It should then get taken care of. ALSO... very important. Get your 3 credit reports (you can get a copy of those for free every year, once a year), look at your credit reports VERY carefully and make sure every creditor you filed bankruptcy with has "filed for bankruptcy, zero balance". Make sure it DOES NOT say or imply that (say a credit card or any other lender) the money you owed them is not "Charged Off". If it says that, get it corrected FAST on all three of your reports. Charged Off means that they didn't acknowledge or forgot about the "letter to the creditors" for your bankruptcy and still thinks you owe money and they "charged off your account" for a loss.
Now, tell you creditor to stop calling you or you will take them to court. It is illegal for them to make just one phone call to you about an account that has been closed due to bankruptcy. It is the law and they are NOT suppose to call you.
Good Luck
2006-08-13 17:24:02 · answer #1 · answered by Anonymous · 0⤊ 0⤋
First make sure that the creditor was listed in the plan after that get your papers together send them a copy and let them know that it's against the law for them to try to collect the debt after it was cleared in bankruptcy.
2006-08-14 18:33:44 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Send the creditor a copy of the bankruptcy when it was discharged. You don't owe the creditor any money as long as it was in the bankruptcy.
2006-08-13 17:11:31 · answer #3 · answered by Pahoua 2 · 0⤊ 0⤋
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RE What can a person do when a debt that was cleared by bankruptcy and the creditor still hounds for the money?
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2014-10-08 16:51:36 · answer #4 · answered by Anonymous · 0⤊ 0⤋
send the creditor a copy of your discharged bankruptcy papers and remind them that you are protected by bankruptcy laws and the fact that they are pursuing this debt is against the law.
2006-08-13 17:10:19 · answer #5 · answered by Anonymous · 0⤊ 0⤋
I believe you might have to furnish the creditor with evidence of bankruptcy. This shouldn't happen, but it certainly doesn't shock me.
2006-08-13 17:10:27 · answer #6 · answered by Austin W 3 · 0⤊ 0⤋
Hello!!!
Do you remember the guy who you met....paid him a couple thousand dollars....they call him a lawyer?
Yeah, that's him. It's his job to deal with these idiots! You already paid him. So make him do his job.
Trust me, when the creditor gets a call from a lawyer it will do far more then any call you can make.
Call your lawyer.
2006-08-14 04:29:55 · answer #7 · answered by Anonymous · 0⤊ 0⤋