I know, I did this to myself but I'm kinda frustrated with Wells Fargo. I filed CH13 in 2/2017. Then why all of a sudden to they report the CO in 2018 for 11 months followed by the 180 day late in Dec 2018? :/
This has go to be dinging me a little still.
@madmann26 wrote:I know, I did this to myself but I'm kinda frustrated with Wells Fargo. I filed CH13 in 2/2017. Then why all of a sudden to they report the CO in 2018 for 11 months followed by the 180 day late in Dec 2018? :/
This has go to be dinging me a little still.
My understanding is that this is NOT OKAY for them to keep reporting the C/O month after month. This is a question for a lawyer and I am not one, but I did a little Google snooping and found this from a lawfirm. Here is their quote and then the link. I would pursue this, first with a dispute saying it's a violation of the automatic stay order and it all needs to be removed all that shows after the date of filing. Check this out:
"3. Charge-offs Reported After the Filing of Bankruptcy or After the Bankruptcy Discharge
When an account is listed as “Charged Off” on your credit report, that’s negative.
There are a number of circumstances when a creditor can charge off an account but they MAY NOT do so after you’ve filed for Bankruptcy or after you’ve received your Bankruptcy Discharge."
From: https://www.bankruptcysoapbox.com/post-discharge-credit-report/
Moran Law Group -- bankruptcy lawyers.
No negative info can be placed on your credit report after filing date by creditors. Contact your lawyer because they are in violation of the BK laws. $1000 fine in your favor. Like how they snuck that in there. Unreal.
@FireMedic1 wrote:No negative info can be placed on your credit report after filing date by creditors. Contact your lawyer because they are in violation of the BK laws. $1000 fine in your favor. Like how they snuck that in there. Unreal.
They're not the only ones. I've got a list going.....
And yes, they were most definitely IIB.
Only non-dischargeable debt gets a green light or collection activity begins again, and discharged debts get a roadblock. No collection activity allowed, ever. Since all these accounts were dischargeable. They are in violation. Lawyer time. They have to pay the lawyer fees due to ignoring the BK Laws. Not you.
So AMEX is saying that the 2 accounts that were originally IIB, were removed from chapter 13 in 2018. Okay, I might have been ok with that except when I login to the NDC site, I look at the claim summary and when I looked at the 2 claims for AMEX, both of the claims reference the accounts they say were removed from chapter 13.
I have heard nothing from them. I would think if the accounts were in fact removed from the chapter 13 case, they would have come after me by now. (Mod cut-Please not here)
My case is open/active and has been for 5 years.
I emailed my attorney with everything. They're not the only ones doing it. The list so far is -
AMEX
DCU (on 2 auto loans)
Wells Fargo
Credit First National Bank
All of these accounts still reflect IIB. What makes DCU so bad and egregious is that they were secured by the auto loans and they were paid first. They've sent me the titles and the lien removal paperwork.
