Sprint bill

[Unique620]

I had a sprint account since 1999 and in 2011 I filed bankruptcy. In 2013 I lost my job and the account went into default. The account went into collections and I am being told that it should have been added to my bankruptcy. Does it go by default date or when an account is opened?

Thanks

[Scupra]

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@Unique620 wrote:

I had a sprint account since 1999 and in 2011 I filed bankruptcy. In 2013 I lost my job and the account went into default. The account went into collections and I am being told that it should have been added to my bankruptcy. Does it go by default date or when an account is opened?

Thanks

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Did Sprint list the account as "charged off"? Also, was your BK a no asset case?

[Unique620]

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@Scupra wrote:

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@Unique620 wrote:

I had a sprint account since 1999 and in 2011 I filed bankruptcy. In 2013 I lost my job and the account went into default. The account went into collections and I am being told that it should have been added to my bankruptcy. Does it go by default date or when an account is opened?

Thanks

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Did Sprint list the account as "charged off"? Also, was your BK a no asset case?

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Sprint is not on my bill. The collection company is. My BK was Chapter 7

[Scupra]

The OC, or original creditor, should still be somewhere on your reports. Usually you will see Sprint list it as "charged off" and then new collection accounts show up as it is sold off.

[Unique620]

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@Scupra wrote:

The OC, or original creditor, should still be somewhere on your reports. Usually you will see Sprint list it as "charged off" and then new collection accounts show up as it is sold off.

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Hi Scupra,

I just double check my credit report and sprint is not listed on any of them.

[Scupra]

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@Unique620 wrote:

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@Scupra wrote:

The OC, or original creditor, should still be somewhere on your reports. Usually you will see Sprint list it as "charged off" and then new collection accounts show up as it is sold off.

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Hi Scupra,

I just double check my credit report and sprint is not listed on any of them.

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Awesome! They probably deleted when you filed. If your BK was no asset all debts are included, even if not listed.

[Unique620]

So how do I handle the collections with the collection company?

[Scupra]

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@Unique620 wrote:

So how do I handle the collections with the collection company?

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Was the collection account included in the BK? If so, call the company and tell them it was discharged through BK.

[Unique620]

Ok. Thanks!