3 of my credit cards that were included in my bankruptcy filing, which was discharged in '03 all shows as "Charge-Offs, written as bad debt". They all still show balances, and 2 show high past due amounts.
I am not sure what dates are relevant...one looks like this:
Date Opened Oct 95
Date of Last Activity July 02
Date Paid Out July 02
Date Closed Nov 04
Description: purchased by another lender
Last report on November,2004
This particular one shows 0 balance, 0 past due, but "charged off as bad debt"
Another looks like this:
Date Opened -Feb 94
Date of Last -Activity July 02
Date Paid Out - Not on Record
Date Closed -Apr01
Description: -Profit and Loss write off
Last Report on February, 2003
Balance $16,966
Current Status - charged off as bad debt
Past Due Amount - $2,489
I double checked my bankruptcy papers and my list of creditors that was filed....both of these accounts (and their account numbers) were in my filing.
Once i made the decision to file and saw an attorney, he said to direct any credit calls/collection calls to his office, which I did. So all my cr cards knew i was going to file BK....could they have sold the accounts and/or charged them off when they were notified of the BK (before it was even discharged) - just so that these statuses could appear in my credit reports?
Does this mean they really werent included in my BK? (Though never once after discharge did they contact me or send me bills for the past due amounts...)
I am not sure what dates are relevant...one looks like this:
Date Opened Oct 95
Date of Last Activity July 02
Date Paid Out July 02
Date Closed Nov 04
Description: purchased by another lender
Last report on November,2004
This particular one shows 0 balance, 0 past due, but "charged off as bad debt"
Another looks like this:
Date Opened -Feb 94
Date of Last -Activity July 02
Date Paid Out - Not on Record
Date Closed -Apr01
Description: -Profit and Loss write off
Last Report on February, 2003
Balance $16,966
Current Status - charged off as bad debt
Past Due Amount - $2,489
I double checked my bankruptcy papers and my list of creditors that was filed....both of these accounts (and their account numbers) were in my filing.
Once i made the decision to file and saw an attorney, he said to direct any credit calls/collection calls to his office, which I did. So all my cr cards knew i was going to file BK....could they have sold the accounts and/or charged them off when they were notified of the BK (before it was even discharged) - just so that these statuses could appear in my credit reports?
Does this mean they really werent included in my BK? (Though never once after discharge did they contact me or send me bills for the past due amounts...)
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