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I had an Overstock.com account from Comenity that was never used and never had a balance. They have updated the account status to "Discharged in Bankruptcy". Should I get this removed as it was an account in good standing, never late. Is "closed by creditor" better than "Discharged"?
@Anonymous wrote:I had an Overstock.com account from Comenity that was never used and never had a balance. They have updated the account status to "Discharged in Bankruptcy". Should I get this removed as it was an account in good standing, never late. Is "closed by creditor" better than "Discharged"?
Did you file for ch7 or ch11?
CH 7
But if there was never a balance it should not be marked "discharged" it should just be marked "closed by creditor" correct?
Comenity often times has mistakes or errors with accounts in bankruptcy.
Even though I had an account with them IIB... they never deleted it and kept reporting past due and requesting payment.
I called in and was transferred to bk department and they were super nice and closed the account...
why not just call them and ask?
Be like... hey I didnt have a balance with you guys, can you just update this for me please?
I also same day got approved for an overstock card for 250 the day it was closed out... so i guess ill see what happens when it arrives in mail?
Thanks, I will give them a call.
Just getting back online....let us know how it goes and report back
Good luck!!
@Anonymous wrote:CH 7
But if there was never a balance it should not be marked "discharged" it should just be marked "closed by creditor" correct?
^^^This is the exact reason I suggest closing zero balance accounts yourself prior to filing Bk - this 'mistake' is common. If you have an open account that has a zero balance and you file Bk the creditor can mark it IIB. They are under no obligation to mark it "closed by creditor" because of the filing. It is worth a phone call, but they are under no obligation to change it.