Question from a newbie??

[highNdry]

Hi

My Bk got discharged on January 31, 2006 and I received the discharged letter a week after, now my questions are:

What does case closed means? Can the creditors still come after me even though I got discharged?? I called the court and they told me that my case was closed the same day i.e. January 31, 2006. Am I suppose to receive a case closed letter or notice?

What is Opt-out and Opt-in means? Do I have to do some thing to get Opt-out or Opt-in?

I have cleaned up my TransUnion record, they all say 0 balance and discharged in BK, I'm waiting for the other two.


Thanks

HighNNdry

[StaciMM]

Once you're discharged, creditors cannot come after you. If you had assets in the BK, though, that were taken by the trustee then they might receive a portion of them. When your case is closed, it means the trustee has either ruled you a no asset case or he has taken & distributed any non-exempt assets that you had. You don't receive a formal notice.

"Opt Out" is something you can do w/ each of the credit bureaus so that creditors can't see offers. (If you're opted in, they can access a limited version of your credit report in order to send you offers that you may be 'qualified' for.)