topic Re: Remove a Bankrupcty in Bankruptcy

Remove a Bankrupcty

jpd36282 — Wed, 17 Mar 2021 18:45:37 GMT

My spouse filed for Bankruptcy in california by only themselves, some cards I had at the time had to be included on the petition as community debt and I received a "phantom discharge". I am now trying to get a home loan and some of the accounts are reporting as if I have a personal bankruptcy on record, they should just have a notation of "included in bankruptcy" as far as I know. What can I do to get these accounts to remove bankruptcy status as my name/social security number has never been included on a bankruptcy filing, they should only be reporting bankruptcy comments, not a bankruptcy designation/status if that makes sense.

Re: Remove a Bankrupcty

DebtStinks — Thu, 18 Mar 2021 00:24:10 GMT

Did you continue to pay the cards? Keep the account(s) open? Do any of the cards have balances?

I'm not a BK pro, but this sounds a bit "different" or I'm missing some details.

Re: Remove a Bankrupcty

DoogieBall — Fri, 19 Mar 2021 14:32:36 GMT

Did you get copies of your updated CRs and see which ones it's showing on? After that, I would go to the CR websites and file disputes. There are reason listings when you file a dispute such as "Incorrect information" or "account too old," and similar. For your case, it might be better to call directly and ask for a supervisor.

I'm only going by what I did when I was asking for early exclusion of my BK7. Did everything online but your case is different so talking to a person may be a better way to go.

Re: Remove a Bankrupcty

MyDataMyChoice — Sun, 21 Mar 2021 17:04:38 GMT

Depends on the accounts

1) Were you a JOINT Cardholder

If you were a JOINT Cardholder - the Original Creditor (OC) can always go after your directly. Depending on State Laws/Statute of limitations etc (Depending on Marriage Laws too)

2) Were you an Authorized User

-If just an AU - dispute the account as not yours it will be deleted completly

If you yourself did NOT file for a BK - dispute it. Also get a copy of your Lexis Nexis Risk Full File Disclosure

Re: Remove a Bankrupcty

Anonymous — Fri, 26 Mar 2021 22:42:41 GMT

How get your ch 7 removed?