any advice?

Chapter 13's are supposed to drop after 7 years. This shouldn't be a problem. I would call the cra's and advise them it was 7 years old in Sept. and needs to come off asap. Or you could always file an online dispute with each of the cra's but that might take up to 30 days. I would call first and see how far you get before disputing it.

 

I KNOW Gulf States are liaes, crooks, ect.

I'd like to hear your experiences

 

Wow hermit, where ya been? Do a quick search of LKH's posts and you will get the full scoop. Or maybe LKH will post it again, I dunno.

 

I'm a newbie sort of. Goof States has put me to the test as well.

 

I though that BKs syayed on for 10 years (15 USC 1681c(a)(1). Is there an exception for Chapter 13s?

 

Yes there is.

 

That's great! Is it provided for in the law or is it done by the grace of the CRAs? In other words, if the CRA resists it and points to 1681c(a)(1), what do we say in response?

 

The CRA's have implemented this

see this post (somebody else already did the work)

http://consumers.creditnet.com/stra...7&highlight="chap+13"++"chapter+13"#post75867

 

Thanks, that's awsome!