Chap 13 trustee made late payments

[Anonymous]

 We are awaiting the discharge paper from a chapter 13. We have gone over our credit reports and see that several creditors were paid late, which is resulting in deragotory marks. The most serious one is a camper, which we voluntarily surrendered. We were just told by doing so, it became an unsecured creditor, and was moved low on the list. This has resulted in 2 years of late payments. A huge problem.  How can this be done legally? We know a bankruptcy is a bad mark, but these sort of late payments are not acceptable. We have a 100% on time payment record with the trustee. Help!

[Scupra]

Wow, what a horrible situation. I just wanted to welcome you to the boards and get this post bumped up for you. Hopefully one of the people with BK13 knowledge will chime in for you.

[Anonymous]

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@Anonymous wrote:

 We are awaiting the discharge paper from a chapter 13. We have gone over our credit reports and see that several creditors were paid late, which is resulting in deragotory marks. The most serious one is a camper, which we voluntarily surrendered. We were just told by doing so, it became an unsecured creditor, and was moved low on the list. This has resulted in 2 years of late payments. A huge problem.  How can this be done legally? We know a bankruptcy is a bad mark, but these sort of late payments are not acceptable. We have a 100% on time payment record with the trustee. Help!

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That sucks.  I would be just as upset as you.  Have you spoken with your attorney or the creditor? I would think that the creditor would remove all of the late pays considering the circumstances.  I would contact the creditor first and if no luck there I would contact your ch. 13 attorney.  If all else fails, then I would probably try to dispute it with the credit bureaus.

[pizza1]

If you got your BK13 payment in on time to the Trustee, its the trustee's fault for the late payments being delivered to the creditors.

Contact your attorney and tell him/her what happened and he/she can advise you. Im sorry for your situation

Welcome to the forums as well.....feel free to post anytime, lots of folks are always around to help.

[medicgrrl]

Are your creditor's not showing your accounts as Included in bankruptcy? Typically, even on a 13, the accounts are listed as Included in bankruptcy. Usually they won't report a positive payment history once you file.

[Anonymous]

Thanks, much appreciated. Received the discharge today. My hope is that will help clear things up.