I have a credit card that was charged off prior to me filing Bankruptcy. they sold it to a collection agency. The current status shows-Charge Off. Do they have to take off the The charge off status or do they have the right to keep it as is.
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Since the charge-off happened before you filed, the original creditor can keep the account listed as a charge-off because it's accurate.Originally posted by wbp1968 View PostI am not a lawyer and this is not legal advice nor a statement of the law - only a lawyer can provide those.
06/01/06 - Filed Ch 13
06/28/06 - 341 Meeting
07/18/06 - Confirmation Hearing - not confirmed, 3 objections
10/05/06 - Hearing to resolve 2 trustee objections
01/24/07 - Judge dismisses mortgage company objection
09/27/07 - Confirmed at last!
06/10/11 - Trustee confirms all payments made
08/10/11 - DISCHARGED !
10/02/11 - CASE CLOSED
Countdown: 60 months paid, 0 months to go -
Thanks so much for the info...This forum is very helpful.Comment
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They can keep it as a charge off. But, they must report a 0 balance in the tradeline.Comment
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I talked to Equifax last night and I have included in bankruptcy on some of my creditors but showing a blank on the balance due..She said if it's blank it's considered zero balance...Any truth to this? Or does it have to have the actual # 0 where the balance is?Comment
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Don't worry about what is on your report - charge-off or bankruptcy. The comment "bankruptcy' stays on the report for 10 years, other negative comments come off after 7 years.Comment
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