QUESTION
How to stop a debt collector from reporting false information to the credit bureaus while attempting to collect a debt I am not liable for?
Asked on Apr 06th, 2016 on Debtor and Creditor - New Jersey
More details to this question:
My chapter 7 bankruptcy was discharged on 8/24/14 and I have been working hard to rebuild.I had a few errors on my reports which were disputed. Transunion took 4 days to remove all errors. Equifax had 3 open medical collections showing no balance all with the same "chpt 7 discharged" remarks. After filing my dispute I received a letter from one of the collection agencies stating that money is owed and the bill is valid. My c.r. shows no balance and the agency last reported on 8/24/14 but after calling this collector, I was told that they will now report $ owed to the bureaus. After 3 weeks I received an email from Equifax stating their investigation was complete and 2 accounts were removed, but one is valid. The company that sent me a bill after I filed a dispute, is reporting that I have an open account, no dollar amount displayed, w/ Chpt 7 discharged under remarks. How can they deny the dispute and send me a letter with the intent to collect the original balance? What can I do now?
1 ANSWER
Bankruptcy Attorney serving Hackensack, NJ
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Ruiz Doolan Law Firm, LLC
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Contact your original bankruptcy attorney and ask him to send a letter to the creditor for the creditor's violation of the bankruptcy discharge order. Another way to do this is by sending a copy of the Bankruptcy Discharge Order to Equifax and letting them know that the debt was prior to your bankruptcy filing. I am assuming that is the case. If your bankruptcy case was a non-asset case then the debt is discharged whether listed or not. The case is called JUDD v. WOLFE 78 F.3d 110 (1996).
Answered on Apr 15th, 2016 at 5:30 PM