I filed bk 7 before i found this site.my question is this.I discovered the oc failed to inform ca that they had accepted credit relief program,which lowered the interest rate to 9.9% from 29.99%,and stopped over the limit fee's and late fee's,accepted 2 payment, then charged off.can i dispute this as failure to provide servic's?any thought's thank's again for any advice.
Did you file for bankruptcy OR did you sign up with one of those debt relief programs? Two completely different things.
We had gotten into a credit relief program for one year my husband became disabled we had to wait 6 month's for ssd had to drop out until my husband got his money got back into program for 11 month's.when it became clear after 20 month's we were no better off.the relief program suggest bk7,ran it by 2 finane adviser's they concurred.however i didn' realize how many report's had error's i hope this help's
I think it would be moot if you filed for bankruptcy chapter 7 since it wiped the debt out. You should dispute the incorrect info on the credit report try to get it deleted. Technically the accounts included in the bankruptcy can report 7 years. If you see anything on beyond that, you should dispute it with the credit reporting agency. The public record showing the bankruptcy can show 10 years from the file date. Have you moved since filing bankruptcy? Might try to dispute the old address off and also if name changed dispute old name off and dispute the bankruptcy itself.
So if they report 4 7 year's even if the information is incorrect it would show.i think i'm trying to get the account's off i know i can't get the bk off or can i hmm
I noticed that the individuals collecting data on the bankruptcies would over look assets and liabilities. If it is missing on your bankruptcy listing then be sure to dispute this. Well I said 7 years but there is an additional 180 days when the account is with the creditor before charge off. You are going to want to dispute each account included in the bankruptcy, find something wrong with it and send in a dispute. I would not dispute more then 5 items at a time, keep it simple to the point. So if you have 10 dispute 5 this month then dispute the next 5 next month and rotate the disputes so no one item is re-disputed within 30 days.
I have one is for my h in his name but on my report not his,i think i can get this off.now can they put this in name.has been discharged in bk.i think if they did they would have to do ahard pull not permissivable?excuse my spelling.the other's are his name but i was au with no card.
You lost me on the question, can you rephrase that? Permissible purpose for accessing credit report is if you go for service, rental, employment, or application for credit. There are other purposes like liquor license, child support, and court order signed by a judge. And if you already have an account with a creditor they can do a review on the credit report. They should not be pulling if they where discharged in bankruptcy can't collect on a discharged debt.
What the ca told me[it's an error and will update it to report it's in your h name will change the name.so that the report is correct.this is a debt that has been discharged in bankruptcy.if they do that isn't it a new report and reporting after the discharge could be considered as a new attempt to collect an old debt.which illegal under the bankruptcy code?
I want to thank everyone for their help this has helped me so much.hedwick,greg,nightwatch and other's,woofer for telling me to post.excuse my spelling.now any other advice
If they are adding the account listing to your husbands credit report and it is his then that is ok as long as they update to show it was included in bankruptcy with zero balance.
There is a question as to when they filed it may have been after the filing and before the creditor's hearing.now i have one oc that's ignored the bankrupcty.i can send them a copy of the discharge?i don't think it would help them they don't listern to phone call's or letter's,they just keep sending a bill.
Ah, you need to look over the bankruptcy papers, specifically the schedule F I think that is what it is called, it will list all of the creditors and should include any collection agency. If you don't find it in there, you might have to re-open the bankruptcy to add that item if it is something you can't handle just paying off on. Really would need to speak with an attorney to know more on this subject.
I just looked at my bankruptcy paper's and their listed on the paper's I had talked to my lawyer,he advised to send a copy of the discharge paper which i have they ignored.The problem is i think they have an office in salt lake city,their billing come's from ill's.For a major corp their really screwed up.i'll keep trying to get through to them.
Have your attorney send them a letter saying that this debt has been discharged in bankruptcy and that they are in violation of the law by contacting you and attempting to collect. If you have proof that they have been trying to collect a discharged debt, I believe you can sue them.
They send a bill every month no phone calls just a letter saying second notice we can effect your credit affecting your future credit.i'm waiting for the third notice any time it's like they don't have a clue.or don't understand the law or don't care.
All you need to do is send the company a copy of the discharge and creditor's list showing them included in the bankruptcy. Ask that they cease and desist further contact. Companies have been known to sell bankruptcy accounts as regular collection accounts not informing the collection agencies of the bankruptcy status. If it is with a collection agency will need to send them a copy as well.
