Need help on collection accounts showing on CR after discharge
Hello, I need your help please..
I received my notice of discharge in the mail on 8/25/05. I immediately ordered a credit report to check the status of my discharged debts. I noticed that some creditors (all my creditors were credit cards) have listed the discharged debts as Bankruptcy with zero balance, which is what you want I understand. However, I have other debts that I had included in my list of creditors that appear with zero balance but still delinquent and others that appear as delinquent and with the full balance owed showing. They are all categorized as R9 and O9.
When I listed the debts and creditors on my BK papers I listed them as debts owed to the original creditor (in my case the banks that issue the credit cards). But I now see that all these "open" accounts are listed on my report under collection agencies or other creditors who purchased these debts from the banks. I can match them account-by-account to the corresponding original creditors since I saved all the collection notices I received through these past couple years.
Do I have to jump on my case before they close it? I believe you have 30 days to list any creditor that you forgot to list on your BK by filing the proper forms. My 30 days expire next week. Do I just send each of these parties a copy of my discharge with a letter asking them to remove the accounts? Or what should I do?
Thank you much for your replies in advance.
Cheers,
L
I received my notice of discharge in the mail on 8/25/05. I immediately ordered a credit report to check the status of my discharged debts. I noticed that some creditors (all my creditors were credit cards) have listed the discharged debts as Bankruptcy with zero balance, which is what you want I understand. However, I have other debts that I had included in my list of creditors that appear with zero balance but still delinquent and others that appear as delinquent and with the full balance owed showing. They are all categorized as R9 and O9.
When I listed the debts and creditors on my BK papers I listed them as debts owed to the original creditor (in my case the banks that issue the credit cards). But I now see that all these "open" accounts are listed on my report under collection agencies or other creditors who purchased these debts from the banks. I can match them account-by-account to the corresponding original creditors since I saved all the collection notices I received through these past couple years.
Do I have to jump on my case before they close it? I believe you have 30 days to list any creditor that you forgot to list on your BK by filing the proper forms. My 30 days expire next week. Do I just send each of these parties a copy of my discharge with a letter asking them to remove the accounts? Or what should I do?
Thank you much for your replies in advance.
Cheers,
L
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