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Is it possible to PFD an account that was discharged through CH7. I just have one last negative on all 3 reports n everything is clear.
Since the debt has been discharged, then technically there is no debt upon which to base an offer to pay.
A creditor might have a hard time accounting for income received upon which no recievable asset is in their books, but perhaps they could ledger it as a "charitable contribution" ?
I see nothing legally improper in a consumer wishing to pay a formerly legit debt, although it would still run afoul of the CRA policy of not deleting information based on satisfaction of the debt.