Credit Card Center Advertiser Disclosure†
01-07-2013 10:12 AM - edited 01-07-2013 10:29 AM
Can a creditor of an account IIB place this account with a collection agency six years after discharge? Discharge of Ch 7: 11-05; Creditor shows: Date of 1st Del. 9-11, Date Maj Del 1st Rptd 4-12; Collection Date Assigned 4-12. What recourse (s) for me? Thank you for your advice.
01-07-2013 11:58 AM
01-10-2013 06:10 AM
01-10-2013 02:57 PM
I would contact both the CA and the OC via snail mail CMRRR. Have them remove the TL immediately or take them to court and get damages.
It is a violation of the discharge injunction. You may even want to notify your attorney and have him make the contact because there are attorney fees that would have to be paid by the offender (OC/CA) as well as damages to you.
Be agressive about it.
I had a similar thing happen right after my discharge (within a month) and it was gone with one phone call. If it were years later like yours is, I would do it all in writing and get paid for the damages they have done. When the OC sold your debt that was discharged with the CA and the CA put it on your report (which is collection activity) they violated your discharge injunction.
01-11-2013 06:24 AM
I would definitely speak to my attorney first. In my case he was very clear that he was happy to take violations of the stay to court because of the attorney's fees being the creditor's obligation.
01-11-2013 07:53 AM - edited 01-11-2013 07:55 AM
No it's against the law. Had this same issue with HSBC last year. thank goodness Captial one took them over because talking to them was like talking to a brick wall. Spoke to my bk lawyer and he stated they are voliating the law, becuase it was discharged in bk. I contact hsbc again and they told me to contact CA. I spoke to CA they told me they already knew about my bk due to them soft pulling my credit report and they sent it back to HSBC. Called hsbc and they kept stating I had to speak to collection company. So since they also responded to my certified letter to contact CA and validated my dispute with CRA. I was nice enough to only file a dispute with bbb and capital one executive office called and apologizes and update. My bk lawyer stated I had enough on them to sue, but since I have a great relationship with new owners Captial one I let it go.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.