was told a credit problem was gone , now someone is calling and telling me i still owe on it?

Question

my x was a co signer on a loan he filed chaper13 .
, i was paying on the van after it was taken ,they told me i didnt owe on this loan becouse he filed . they said it took the debt away from me becouse off his fileing

Answer 1

There are several reasons why this can happen. One of them is something you want to watch for. This may not be the case for you, but since the chaper13 was filed, I have a feeling it just might be.

Your creditor decides to charge off your account. You no longer owe them anything. However, other credit collectors can find your debt and try to collect the money from you. You do NOT have to pay these debt collectors when your debt has been resolved between you and the origional collection agency or company.

Another thing that might happen is for example:

You owed JC Penny money. You had a bankruptcy that actually ended your debt. Years later, you get another account with JC Penny and you are paying your monthly payments all is well.

You get a phone call saying you are behind on your payments or that you need to pay your debt.

You're confused because you're thinking you know you've not behind on your payments.

Don't allow yourself to be fooled by these credit debt bottom feeders.

If you need to you can get a copy of your credit report from all three credit reporting agencies and see just what is being reported. You can also call up your creditors to see if there is a connection between the one calling you or mailing you collection requests and the creditor.

If these collection agencies find your past debts, they will try to make you feel obligated to pay and many people fall into this trap.

This happened to me two times. First with a JC Penny account that was 10 years old, and then a second one with another account that was 10 years old. I have re-established good credit and now the old debts that are no longer mine are being located somehow by these collection agencies. I called their bluff and told them I'd be happy to report them to the FTC if they would be kind enough to provide me with their name, address and phone number.

You'll find lots of information on the ftc.gov website.

Answer 2

I'm not an attorney, so don't take this as advice...but from my experience, a bankruptcy by your ex only wipes out HIS debts, and if you two had a joint debt, you are still responsible on the account, even though he's not. I see it a lot in the mortgage industry. The only thing you might be able to do is negotiate a lower payoff.

Answer 3

tell them to give up calls as is your top consistent with the honest debt series practices act. tell them next time they call and deliver an approved letter with return receipt promoting them you will in basic terms take care of them by utilising mail. Request an entire debt validation mutually with an entire charge historic past of the account, a replica of the contract you signed and a replica of the contract giving them the final to convey mutually. It being considered one of those new account, they could desire to be waiting to grant this. anticipate it to be a minimum of two times the unique fee quantity with the aid of interest and overdue expenses. You knew which you're able to could desire to pay it lower back so which you will not have a super number of a protection. once you get the concepts, pay the bill and be executed with it. this could desire to stop the calls and shield the debt. If a threat, attempt to barter a pay for delete contract in writing. examine THE honest DEBT series PRACTICES ACT, in basic terms take care of them by utilising mail so each little thing would be in writing and keep a replica of all communications and return receipts from the positioned up place of work. in the event that they proceed to harass when you get your receipt to your letter then record a criticism with the FTC. stable luck

Answer 4

if you signed the chapter 13 with him, you are as responisable for it as he was. sounds to me like he paid part of it and you are having to pay the other half. and anything else that was on the chapter 13. if you did'nt sign it with him then you are in no way liable for it. what state do you live in?? in n.c. if my spouse and i divorce i get half of what we have and i'll pay half of what we owe. the van that you were paying on...you could have avoided that debt too. have you paid for it?? if you have you'll get good credit for it. if not it will stay on your credit for at least 10 years. good luck to you!

Answer 5

they lied.........if he filed......and you didnt jointly..........he is clear.........you ll pay for it.Unless you can get a copy of the bankruptcy case number........and when it was done in court.