@jimc wrote:
in 2002 i was going to do bankruptcy but didnt go through with it. it was dimissed but the items list on there are showing a balance and 120 days past do is this allowed
I assume this is the double-punishment of a dismissed BK. You weren't discharged so you still owe the money.
Don't be too concerned about the credit report. The impact of these accounts should be minimal and they will be gone in about a year - depending on the DOFD.
Your BK (although dismissed), will stay for a few additional years.
