Legal Question in Bankruptcy in Florida

Discharged accounts and reporting to credit bureaus
I had a chapter 7 bankruptcy that was filed and discharged in 1998. I'm having a problem with 2 accounts and how they are listed on my credit reports. I have a collection account that was discharged that is listed as a current collection account including a past due balance(full amount) and an auto loan that was discharged (car was returned) that is listed as a repo with a very large past due balance (about $4000 more than the amount owed and discharged). Both accounts have no notice of being included in the bankruptcy. I have sent letters to the creditors informing of the inaccurate information being reported and I have disputed the accounts with the credit bureaus numerous times. They are always verified as correct. This is very damaging to my attempts to restore a good credit rating. I'm wondering if I have any grounds to pursue legal matters against these companies. And how should an account be correctly listed once discharged through a bankruptcy?

Asked on 6/28/02, 9:11 pm

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Re: Discharged accounts and reporting to credit bureaus

You may be able to file a Fair Debt Collection Act lawsuit for the collection efforts after bankruptcy. Speak direct with an attorney.

Answered on 6/29/02, 10:14 am

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