I filed CH13 a few months ago and I passed my bar date for creditors to file a claim recently so I decided to start working on my credit reports. I was able to get some deletes but I have four collection agencies that came back as verified. These CA's were included in my CH13 but they did not file a claim. So, since I am passed my bar date, how do I get them to either report correctly or get the CRA's to delete them altoghter? Are they allowed to keep reporting until they are due to fall off even though they didn't file a claim? Thanks in advance!
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There really is not much you can do...the claims are still "valid" until you recieve your "discharge". For example, even though these creditors did not file a claim, let's say your case gets dismissed, those claims are fully valid at that point.
At a minimum, they should probably report IBB (included in bankruptcy).
I wouldn't be surprised if some of the ones you got deleted show back-up.
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