Heres the situation: On my wife's report (TU and EQ) there is a small collection from 1997. On our BK filing (discharged 98) this debt is listed under the CA not the OC (medical bill). I sent a validation letter without the optional C&D and they called me yesterday. The subject of the BK was never brought up, the CA was confused why we needed validation and offered to delete if we paid it. My question is: If I send the CA proof that this account was discharged, is it more likely to be deleted or flipped to included in BK?
Validate with the CRA's. If they validate it as is, its a violation of the discharge order. If they were listed on the bankruptcy filing, they were notified of the discharge by the bankruptcy court.
