topic Re: Collection Account Added to Credit Report after Filing Chapter 7 in Bankruptcy

Collection Account Added to Credit Report after Filing Chapter 7

Anonymous — Wed, 01 Apr 2015 14:55:47 GMT

i have a quick question, I filled chapter 7 in Feb sometime in March a collection account was added to my credit reports that I was not aware of. Is this allowed to happen during the automatic stay? I was thinking that is an attempt to collect a debt but not completly sure. Thank you for your help.

Re: Collection Account Added to Credit Report after Filing Chapter 7

gdale6 — Wed, 01 Apr 2015 18:40:56 GMT

@Anonymous wrote:
i have a quick question, I filled chapter 7 in Feb sometime in March a collection account was added to my credit reports that I was not aware of. Is this allowed to happen during the automatic stay? I was thinking that is an attempt to collect a debt but not completly sure. Thank you for your help.

They probably were not made aware of the filing, I would write them a letter with a copy of your filing with a request for it to be removed from your reports forthwith.

Re: Collection Account Added to Credit Report after Filing Chapter 7

0REDSOX7 — Wed, 01 Apr 2015 18:52:25 GMT

One positive thing about Ch. 7 was that even if you didn't specifically list the account on your petition - as long as the debt was incurred prior to filing, and eligible for discharge (IE, not a student loan or something), then it will still be discharged.

Re: Collection Account Added to Credit Report after Filing Chapter 7

Anonymous — Thu, 02 Apr 2015 18:19:48 GMT

Thank you for your help,

Re: Collection Account Added to Credit Report after Filing Chapter 7

Deltadog03 — Thu, 02 Apr 2015 18:23:14 GMT

to try and piggy back on the thread op... ty for that.... This begs the question, can a company ADD a collection report *AFTER DC* from debt that WAS discharged by BK7?

Re: Collection Account Added to Credit Report after Filing Chapter 7

0REDSOX7 — Thu, 02 Apr 2015 19:10:25 GMT

I think it depends.

If you were in collections prior to filing and they added it after discharge and show it as valid (zero balance, IIB), then it would appear valid since you were technically in collections prior - which would be okay.

Now, if you weren't in collection when you filed and they changed it and then added it - then you might have some interesting arguments.

Re: Collection Account Added to Credit Report after Filing Chapter 7

Deltadog03 — Thu, 02 Apr 2015 19:27:13 GMT

I think it was there, got removed when DC then got added 7 months after DC. Reports IIB on TU and EQ and was never on EX until now and it's showing a balance. Big mistake by them I called the CA and they updated e-Oscar on 3/25 and now they don't have the account anymore. So had to do a dispute with EX saying they agreed for removal. I chose thst vs update to show IIB since they are going to remove it and can only do one option plus it takes so long to get the results back.