Question:
My ch7 was discharged in August 2002 but my credit reports are showing
a credit card account (sold to a collection agency) with a past due
balance. I know the credit card was included in the bankruptcy but
what about the collection agency? Since they weren't listed do I need
to pay this account? My credit reports from Experian and Equifax both
list this account with the collection agency as "Seriously past due".
Thanks in advance.
Answer:
Your bankruptcy discharged this debt, no matter how often it is
sold (and resold). Send the collection agency and the credit
reporting agency a copy of your discharge and your Schedule F
showing the creditor and ask the former to go away and the later
to fix its records.
