Who do I contact about this?

[dr618]

I received a bankruptcy discharge and my case is now closed, now I have been receiving phone calls from a colletion agency, they do not leave a message and I just received a letter from them telling me I would get a discount if I "act now". They were included in my creditor list. Isn't this breaking the law? The discharge notice says they are prohibited from contacting me. Who can I contact about this? The collector is Asset Acceptance. Thanks in advance

[StartingOver08]

Contact your BK attorney right away. This is a violation of the discharge injunction.

[dr618]

Do you think I can just contact the court or the trustee? I don't have an attorney, when I filed I used legal aid.

[StartingOver08]

Oh. Well, you can send a letter to Asset Acceptance yourself, CMRRR. (Certified Mail Return Receipt Request) with a copy of your discharge and that you will bring an action against them for violation of the discharge injunction if they continue to contact you. Make sure they remove their entry from your credit report too.

If that does not work, you might want to try using a NACA attorney - because the collections agency (CA) would owe you money for violations. The NACA attorney may even take this on contingency.

I'm not sure that the trustee would do anything because they represent the creditors. I don't think you can get in front of the judge without having a formal complaint, but I am not sure.