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Chase Bank lawyers entered a default judgment AFTER Discharge

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    Chase Bank lawyers entered a default judgment AFTER Discharge

    Okay y'all, first and foremost, my boyfriend's bankruptcy that was still awaiting close, has been closed - the Report of No Distribution was filed on the 31st of Jan and we just received the order closing same. However, now we have another issue to deal with.

    Chase bank's debt was listed and they never perfected service on my boyfriend; however, being the losers that some of these process servers are, when they served the original petition initially, they served my boyfriend's dad (who is a Senior), so they share the same name. It's pretty obviously one is not the other, but they served his dad back a year ago just before my boyfriend filed bankruptcy, and they received notice of same, but still filed the Citation of service as "if" he was served, by leaving the petition on his father's front door step. His father stated "I'm his father, you need to serve him, you have the wrong person" - and they said "we're still leaving it". That, in my book being in the legal field for 23 years, is not "service" - but the court scheduled 3 separate DWOPs (dismissals for want of prosecution) over the course of 3 months while the bankruptcy was pending, and when it was "dismissed", the attorney for Chase filed a motion to reinstate, affidavits of perfecting service (on his dad) and, a default judgment was entered on 9/20/10 - the discharge of his case was 7/12/10. The problem is now, his father went to get a loan and they have IMPECCABLE CREDIT, and was denied. The credit bureau said that it's under his name and SS#. The father -

    Our problem is, I want to call this lawyer and unleash on him, but that will do me no good. We talked to my boyfriend's bankruptcy lawyer, but he's not the sharpest tool in the shed, much less, he doesn't have any (excuse me), balls!!!!

    I'm at a loss right now, but may talk to my boss about handling this -

    Has this happened to anyone? Maybe the lawyers on this board can tell me what we should do. I'm literally pissed right now that they did this.
    Boyfriend filed: 3/31/10, discharged: 7/12/10 - STILL awaiting closing. I pray for miracles every day. Compassion should be found in the dictionary under "Bankruptcy", sadly, it's not!

    #2
    My 2 cents: Your boyfriends father should talk to a consumer attorney regarding suing Chase for this. Your boyfriend can't do anything about it, it's his Dads credit that is now screwed up. His Dad needs to fight it.

    Edited to add: Was his father a co-signer of the loan?
    Last edited by newbie2; 03-17-2011, 09:04 AM. Reason: Additional remark..
    Filed Chapter 13 02/2006 - Confirmed 05/2006 - Discharged 09/2011
    I'm not an attorney. My replies are merely suggestions or observations, not legal advice. As always, consult with an attorney before making any decisions.

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      #3
      yea, his dad will have to sue them, and they will have to prove the debt is his which they will not be able to do... not sure how the cc company got his ssn.. that's the unknown at this point..

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        #4
        Caselaw {do a search for Nelson vs. Chase Manhattan Mortgage} says, you need to give the party who furnishes inaccurate info an opportunity to correct the record.
        You do this by, disputing the entry with the CRA and at the same time dispute it with the creditor. The disputes need to be written and sent CRRR.
        Once he does that and there is no correction he has grounds to sue for FCRA violations.

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          #5
          I knew there was a step i was missing.. they have to be given the chance to make the change..

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            #6
            I don't know the answer, but my thoughts are that Chase pursued a judgment when the debt was discharged in BK. I would call an attorney.

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              #7
              Originally posted by SacMan View Post
              yea, his dad will have to sue them, and they will have to prove the debt is his which they will not be able to do... not sure how the cc company got his ssn.. that's the unknown at this point..
              They probably didn't. When judgements get reported the SS# isn't even listed.

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