Discharged 2/06 and debt is coming back to haunt me.

[wannabe]

Here is my brief history: Filed Chapter 13 8/04, converted to Chapter 7 7/05, discharged 2/06. However, I have one debt I just found out about this morning.

I was trying to pay my Fingerhut account (which is part of my credit rebuilding steps) and I was denied paying by checking due to Telecheck. I contact Telecheck and it is for a payday loan listed with Telecheck in 4/04 - way before I filed. Telecheck told me to fax their bankruptcy department the discharge papers and they would restore my check writing privileges. I faxed their BK department.

I got the old creditor information from Telecheck and I have looked them up on Google and they aren't very ethical. It's Cash Advance Network, aka United Cash Loans, Sonic Payday. They are based out of Carson City, NV, but have a current address in my home town.

I called the attorney who handled my case and he said that it was discharged since my Ch 7 was no asset even if it wasn't listed and not to worry. Now I am wondering what other debts will pop up.

[SinkingFast]

You filed Old Law and your attny is right. That was the case. All debts, whether listed or not, were Discharged in No Asset, Ch 7's.

Just keep those papers handy for the future if this sort of thing happens again.

You might also try, if you haven't already, working on cleaning up your Credit Reports. I do know, tho, there are some smaller Creditors, like this, who don't report. And you won't know about them until you have another similar situation and stumble onto them.

Maybe you got lucky and this will be the only one for you!!