Reply
Member
Flamenco007
Posts: 19
Registered: ‎04-03-2013
0

Help!! Collection Acc initiated AFTER BK-7 filing

I filed for BK-7 and included a medical bill for $107. Creditor was notified in August 2012. BK discharged in November 2012 and some month, creditor sends $107 to collection agency, causing FICO drop of 30 !!!!

I disputed the account on my CR since BK-filing STAYS all collection activity but to no avail. Collection Agency refuses to delete it and still reports it as negative account with balance of $107.

What should I do??? FTC? Please help with suggestion!! It has to be unlawful

Starting Score: 515 (11/2012)
Current Score: 575 (04/2013)
Goal Score: 750


Take the myFICO Fitness Challenge

Nurturing My Garden

BK-7 discharged 11/2012 | last App 3/19/13 | App free until 1/1/2014 |
Member
Flamenco007
Posts: 19
Registered: ‎04-03-2013
0

Re: Help!! Collection Acc initiated AFTER BK-7 filing GRANT & WEBER

CA is GRANT & WEBER in Calabasas, California

Starting Score: 515 (11/2012)
Current Score: 575 (04/2013)
Goal Score: 750


Take the myFICO Fitness Challenge

Nurturing My Garden

BK-7 discharged 11/2012 | last App 3/19/13 | App free until 1/1/2014 |
Community Leader
Valued Contributor
starry1
Posts: 2,316
Registered: ‎11-29-2012
0

Re: Help!! Collection Acc initiated AFTER BK-7 filing GRANT & WEBER

Send them an intent to sue ltter, or have your attorney do it.


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 12/12/14 TU 659; EQ 659; EX 653
Goal Score:  625 for now– New goal 675

Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $10k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $500 / Target $400 / PPSC $800 / Texaco $400 (last app 09/29/14)
Frequent Contributor
shols44
Posts: 398
Registered: ‎11-03-2012
0

Re: Help!! Collection Acc initiated AFTER BK-7 filing GRANT & WEBER

Absolutely send them an intention to sue for violating the automatic stay. Also, actually go through with it. 


Starting Score: 501
Current Score: 706 EQ,TU 689,EX 686
Goal Score: 720

Community Leader
Valued Contributor
starry1
Posts: 2,316
Registered: ‎11-29-2012
0

Re: Help!! Collection Acc initiated AFTER BK-7 filing GRANT & WEBER

Yep, that's money in your pocket.


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 12/12/14 TU 659; EQ 659; EX 653
Goal Score:  625 for now– New goal 675

Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $10k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $500 / Target $400 / PPSC $800 / Texaco $400 (last app 09/29/14)
Member
Flamenco007
Posts: 19
Registered: ‎04-03-2013
0

Re: Help!! Collection Acc initiated AFTER BK-7 filing GRANT & WEBER

Thanks guys!!! I took care of it this morning, sent the letter via USPS priority mail with tracking. The CA got my score (after BK) to drop from 542 to 515. Big deal & I was so discouraged. I sent a letter to the original creditor too since they BLATANTLY ignored the federal stay. I will you you posted :-)

Starting Score: 515 (11/2012)
Current Score: 575 (04/2013)
Goal Score: 750


Take the myFICO Fitness Challenge

Nurturing My Garden

BK-7 discharged 11/2012 | last App 3/19/13 | App free until 1/1/2014 |
Valued Member
softballgirl29
Posts: 44
Registered: ‎08-26-2012
0

Re: Help!! Collection Acc initiated AFTER BK-7 filing GRANT & WEBER

Is there a copy of that letter somewhere on here? I am having the same problem! Bill was given to a different collection agency AFTER bankruptcy but the original bill was included in my bankruptcy. The CRA's won't delete it because it is showing a date after my filing date. They don't have all the info and it is very frustrating for me!!!

BK7 Filed 5/14/12 BK7 Discharged 8/17/12
Latest EQ Fico - 631 Latest TU Fico - 632 Latest EXP FAKO - 651
In my wallet: Cap One CL $250, Cap One Rewards CL $2750, Credit One CL $800, NFCU CL $6000, HH Gregg CL $1500, Care Credit CL $800 Express CL $450, Victoria Secret CL $450, Kohl's CL $300. Cap One Auto Loan $25k
Member
Flamenco007
Posts: 19
Registered: ‎04-03-2013
0

Re: Help!! Collection Acc initiated AFTER BK-7 filing GRANT & WEBER

I sent a letter with notice of willful violation of FCRA and federal laws, and included conformed copy of BK-filing's page with the creditor AND copy of court's certification of service on the creditor. I wrote to original creditor, CA and all 3 agencies and included the whole enchilada. If you send PM I can give you the text

Starting Score: 515 (11/2012)
Current Score: 575 (04/2013)
Goal Score: 750


Take the myFICO Fitness Challenge

Nurturing My Garden

BK-7 discharged 11/2012 | last App 3/19/13 | App free until 1/1/2014 |
Valued Member
gramps1968
Posts: 63
Registered: ‎06-08-2007
0

Re: Help!! Collection Acc initiated AFTER BK-7 filing GRANT & WEBER

Please keep us informed of the events Flamenco, Most all of us here, I'm sure would love to hear about a CA getting it stuck to them!!

04/08/2013 TU 659 EQ 661

Goal score: 700
New Member
Kittendale
Posts: 3
Registered: ‎04-12-2013
0

Re: Help!! Collection Acc initiated AFTER BK-7 filing GRANT & WEBER

Hi Guys,

 

I am new to the forum, but very excited about it.  I, too have the same problem, contacted my attorney, he confirmed that the Original Creditor was list in the BK (13), and advised me to send them ALL a letter, stating this account was included in BK.  He also advised me to instruct the CA to DELETE the item and send me notification that they have complied, or further actions would be taken.  Received notification from TU and Equifax that the item had been deleted, and my score went up tremendously.  I, like many is very excited about scores in which i am achieving now.  I know what got me into this mess, and I keep that in front of my mine, so that it won't happen again.  I did receive a secured credit card from my Credit Union, as well as a secured loan, which also boost my score.  I am also waiting for that 700 plus score on all three.  Thanks for all your help, I really appreciate it and it has helped me a lot. :smileyhappy:


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}