I filed for chapter 13 over 3 years ago, In the Chapter 13 we surrendered a Mobile home and also a Pop Up Trailer. The only things we are paying on are 2 vehicles and the attorney fees. The rest should have gone bye bye. I got 3 of my credit reports because we were attempting to buy a house. What we found out was that EMC mortgage ( The Trailer House) has ran our credit or done a Credit Inquiry at least 14 times since we filled Bkcy. They have also reported us derogatory over 15 times since we filed. We also have other creditors who have reported us Derogatory after we filled. I sent a letter to all 3 Credit Bureaus and some have deleted some of the files and some have not. For instance Trans Union Deleted Key Bank ( Auto we are paying on in the BKCY) and the one from the Pop up trailer which we are not paying on. Yet the other 2 bureaus have not deleted them. Should they be deleted or not? What do we need to do to fix the EMC mortgage? They even call us and send us a bill every month. I am getting ready to send another letter to the credit bureaus but I wanted to check here first and see exactly what I needed to say or do. Thanks, Lea
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What exactly was the "derogatory" entry. Remember, your creditors can report true informatio about the account, even if that information is negative.
EMC should not be sending you anything because of the automatic stay in BK. -
Derog Remarks
EMC has Reported us as at the very least 120 days late over 14 times in the last 2 to 3 years. We filed BKCY on 10-2001. They have reported this all the way up to 5/2005. It says involved in Chapter 13 but every month they have reported us at least 120 days and the last 4 months over 180 days late. We owe them nothing. This was a Surrender as of 10/2001. Yes I know they should not be calling or sending anything however they believe they are above the law. They even argued with our attorney. Imagine that! A Credit Union lo9an that we were not late on before the bkcy has us as at least 30 days late and up to149 days late as of 5/2002. This was included in our chapter 13 on 10/2001 It does say involved in Chapter 13. Another finance co has us late as of 11/2001- 1/2002 these are all up to 149 days late. This was a surrender as of 10/2001. The Derog I am protesting has all been reported after our Chapter 13. Some say charged off as bad debt instead of Chapter 13. I don't know how to fix this. Thanks, LeaComment
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