I am 5 months from the completion of a chapter 13 plan. After filing for bankruptcy my student loans were transferred / sold from the original creditor to ECMC. ECMC then reported these accounts negatively with a past due balances to all CRAs. This month I was able to do a direct consolidation and ECMC was paid in full through the consolidation.
My question is since ECMC both received and closed my accounts during the automatic stay, do they have the right to report anything to the CRAs?
