Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Bankruptcy
Profile Image

Question By
Confidence523

0 Contributions
0 People Helped
Charge Off from Creditor that was included in Bankruptcy 7 years ago
My credit union was included in a Chapter 13 repayment agreement in 2008 under the advice of my attorney. My bankruptcy was discharged and recently removed from my credit report. Seven years later after the Chapter 13, the Credit Union reported the loan that I placed under the Chapter 13 as a charge off, bad debt to the credit bureaus without acknowledging that they were included in the Chapter 13 so it appears as if I willfully ignored this debt. They are stating $1500 as the charge off amount so it appears that they did not partcipate in the repayment program. I would like to know if I have any grounds to dispute this charge off because they chose not to participate. They put the close date as July 31, 2015, exactly seven years after I file for the Chapter 13.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
5038 Contributions
1131 People Helped

I would contact a consumer law attorney that handles FDCPA (fair debt collection practices act) cases. I am not completely clear on what you are saying, but it sounds like this credit union is violating your rights and the law. I recommend the law firm of Kimmel & Silverman if they practice in your state, if not just do some Google searching for an attorney that handles FDCPA cases in your state.

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.