Showing results for 
Search instead for 
Did you mean: 

Preparing to file Chapter 7

Valued Contributor

Preparing to file Chapter 7

I pulled both mine and my husband's credit reports in preparation to file but I've come across a potential problem. Several of our credit cards have apparently sold the accounts to debt collectors, but they aren't listed on our reports nor have we received anything from them. The original accounts are all reporting charged off or sold with zero balances. How am I supposed to list those debt collectors? Or will they automatically be IIB? Thankfully (I suppose)  the largest accounts are listed on the reports 

Message 1 of 2
Established Contributor

Re: Preparing to file Chapter 7

If it's truly been sold to a third party (not just collecting on behalf of original creditor) then you'll need to get that info from the original creditor. You should be able to handle this with 1 phone call to each creditor likely speaking to the collections dept. and requesting such info. 


Best of luck!

NFCU More Rewards AMEX $25000 (Opened 1/19) - NFCU Platinum $21000 (Opened 1/21) - TTCU Platinum Visa $10000 (Opened 10/18) - Discover $5500 (Opened 11/21) - Barclays View MC $5000 (Opened 1/19) - Capital One Platinum $3500 (Opened 2/19) - Capital One World Elite MC $1000 (Opened 3/21) - Target Store Card $2000 (Opened 10/18) - Floor & Decor Store Card $42500 (Opened 10/18)
Closed - PenFed $35,000 - Cap1 World Elite MC $11,200
Total CL - $115500

CH7 BK Filed 8/1/17 Discharged 11/7/17

Scores as of 2/18/21:

Inquiries Last 12 Months:
Message 2 of 2
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.