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jmacrusky

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If a travel trailer was included in bankruptcy, can a collection agency harass me?

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The quick answer is yes, no and depends on if an collection agency can contact you regarding an item you believe was on your bankruptcy.   First, review your final report and ensure that it was on there.  It is not uncommon for items to be missing that one thought was on the report.   If it was, inform the collection agency that it was on the bankruptch, provide the reference number and refer them to the original creditor for validation of the debt.   If the original creditor was on the bankruptcy and they failed to notify the court in a timely manner that they did not own the debt, then you may have recourse through your attorney.   If they sold your account after the bankruptcy notification, the original credit was working on the sly and well, let the two of them work it out together. 

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