so h checked credit reports
ch 13 just confirmed.
it's listing one collection account open with zero balance and remark says "Chapter 13; wage earner plan account"
should a collection account be reporting if zero balance? or if on the ch13. should he check w/ trustee and lawyer to see if they have been paid.
if they have can it be disputed to be closed?
can you gw a ch 13 paid account to come off if paid in full?
also, there are two lines from bank where they had line of checking credit and one for a visa, they are part of the ch 13 plan but
the bank has the statement Charged off as bad debt Dismissed
can they do that? would we bring that attention to the attorney as well? see below but way I'm reading it, if it continues to report co, the close date was 3/2012 so it should fall off 2019. if we bring attention to have it changed to reflect the plan, it would stay on until 2025? confused on this. still need to check pay records to make sure they are still in plan and accepting payments although it is noted sep 2013 they got a payment from trustee.
Last Reported
Oct 31, 2015
Account Status
Closed - Derogatory
Payment Status
Collection/Charge-Off
Worst Payment Status
Unknown
Date of Last Payment
Feb 26, 2015
Times 30/60/90 Days Late
0/0/0
Remarks
Charged off as bad debt
Dismissed
other than that, the accounts that were paid in full prior to ch 13 are now just reporting zero balance with "closed" not "paid" or "paid as agreed"
2 are due to fall off, actually should have by now, but three remain, were in good standing and paid off before ch 13 .
do you know why it would change to closed? should h send a gw letter to them to change it to paid as agreed?
thanks so much.
