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I filed bk in 08 and HSBC sold my debt to a debt collector before I filed for bankruptcy. So now it reports as SOLD balance $1800. By law, they must report a zero balance but they do not because techncially they are reporting it correctly. Cap One bought HSBC, so I do not know how they will be handling it now, but be aware. They will report you as owing the money that you owed before your bankruptcy.
Submit a dispute with the credit bureaus.