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Collection agency seeking discharged debt

BayHouse Credit Forum: Credit Q & A: Disputes - Collections - Chargeoffs - Bankruptcy - CCCS: Collection agency seeking discharged debt
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Shy Guy (Shyguy)

Tuesday, April 17, 2001 - 06:45 am Click here to edit this post
While I will call my BK attorney about this, I'm curious what advice folks here have about the situation.

Today a received a letter from a collection agency seeking payment on a debt that was discharged a year ago in my Chapter 7. The discharge was in the original creditor's name, and I never heard of the collection agency until I saw it putting inquiries on my report a few months after the discharge.

The debt was one of about four that wasn't listed as "included in BK" on my reports, and disputes had caused it to be removed from a couple of them. But I double-checked, and the original creditor was listed in my BK.

Obviously, there is no way for the agency to collect. But how do people here think I should handle it? Should I demand the collection agency remove all of its inquiries? Should I report the CA to the FTC or the bankruptcy court? Any other ideas?

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Christine Baker (Admin)

Tuesday, April 17, 2001 - 08:33 am Click here to edit this post
Make a copy of their notice, write on it that the debt was discharged in Ch. 7 and mail it certified to the collection agency.

You could include a copy of your listing of creditors, but you don't have to.


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