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Ok, so just got a scorewatch notification. Navy Federal is reporting 2 auto loans, and 2 credit cards as late and placed for collection.
I filed BK7 on April 1st, it was discharged on 7/7. Everything was discharged, and everything looked perfectly fine until I just get this notification. So I am assuming that I should contact my lawyer and see what we can do, but as I understand it they are liable for $1000 for each inaccurate entry they make right? After the hell I went through getting this done and the way they treated me through out the process I kinda would like to stick it to them, no matter how bad it may sound. I know this is all my fault in the first place, but they are the ones that are breaking the law.
Anyways, has this happeded to anyone else lately? What did you do if it did? And what resolution did you get?
@simi_go wrote:
--snip--
I know this is all my fault in the first place, but they are the ones that are breaking the law.
Anyways, has this happeded to anyone else lately? What did you do if it did? And what resolution did you get?
Don't be so hard on yourself....It happens to the best of us, life happens.
I am in the same predicament.
I was looking on these forums to see if they are allowed to list an account as under collection after I filed BK. Before I dispute, or get on the phone with the collection agency.
I will send my lawyer an e-mail and see what he says.
Regards,
No, it can not go to collections after your discharge. It is a violation of the discharge injunction.
However, if it was listed as a collection account prior to filing - that is a different story.
You can send a letter directly to the creditor. Or have your attorney send a letter directly to the creditor to fix their error. If they don't fix it - then go for the suit. Most of the time they will fix it.