How do I deal with HSBC continuing to collect?

[WorkingItOut]

I had a credit card with HSBC (Household Bank) that was never late before I filed BK7 and included it in the bankruptcy last December. Throughout the bankruptcy, they have continued to send me bills and nasty collection letters. Just a couple of days ago I got a letter from a collection agency acting on behalf of HSBC. My BK7 was discharged and closed today. I double checked and HSBC was listed on my creditor list.

I checked my credit reports today and HSBC is reporting that my account still has a balance of about $1700 (it was only about $1300 when I filed BK in December), and that it is 90 days late now. Like I said, it was never late before I filed (maybe 2 weeks late on my filing date).

I emailed my attorney last week but he's not responding. What else can I do?

[StartingOver08]

Contact the CRA's and dispute the tradeline (HSBC). Include your documentation. If the CRA comes back and said they validated with HSBC. Then contact the OC (HSBC) with the documentation and the CA too. Send all letters CMRRR. IF they will not correct, sue them. It is a violation of the discharge order. This could result in the court awarding you damages for the violation

Or you can contact your attorney to write to HSBC.

[justbroke]

Talk to the HSBC Collector. Tell them the debt was discharged in Bankruptcy and you want either a FAX number or correspondence address to send a copy of the Discharge Injunction to them.

Also, make sure you follow up with your lawyer. They tend to forget about their clients, once the case is closed.

[StartingOver08]

JustBroke - don't you want the OP to win against the OC and the CA for the violation?

[justbroke]

JustBroke - don't you want the OP to win against the OC and the CA for the violation?

I was trying to be nice.

But first, the OP needs to put the OC/CA on notice. The general guideline (more than a rule), is that you warn them once in writing and include the copy of the Notice of Bankruptcy and/or the Discharge Injunction. If they continue to collect after that... THEN YOU POUNCE!!!

[JustOverBroke]

I had a credit card with HSBC (Household Bank) that was never late before I filed BK7 and included it in the bankruptcy last December. Throughout the bankruptcy, they have continued to send me bills and nasty collection letters. Just a couple of days ago I got a letter from a collection agency acting on behalf of HSBC. My BK7 was discharged and closed today. I double checked and HSBC was listed on my creditor list.

I checked my credit reports today and HSBC is reporting that my account still has a balance of about $1700 (it was only about $1300 when I filed BK in December), and that it is 90 days late now. Like I said, it was never late before I filed (maybe 2 weeks late on my filing date).

I emailed my attorney last week but he's not responding. What else can I do?

Since he didn't answer you're E-Mail call his/her office and request to speak with them directly.

pretend you're a bill collector and call every hour on the hour.
You paid them alot of money they owe you until this thing is taken care of in full.

Thats what I would do just my 2cents.

[StartingOver08]

I was trying to be nice.

But first, the OP needs to put the OC/CA on notice. The general guideline (more than a rule), is that you warn them once in writing and include the copy of the Notice of Bankruptcy and/or the Discharge Injunction. If they continue to collect after that... THEN YOU POUNCE!!!

Good! I think the OP deserves a little start up fund after the Ch 7 filing and having to continue to take this baloney from HSBC! They are one of the worst creditors and now that they are having problems they have gotten even worse in their collections!

[albacore44]

Good! I think the OP deserves a little start up fund after the Ch 7 filing and having to continue to take this baloney from HSBC! They are one of the worst creditors and now that they are having problems they have gotten even worse in their collections!

Their gonna love me if i can ever find a way to strip my $240K HELOC

[StartingOver08]

Their gonna love me if i can ever find a way to strip my $240K HELOC

I hope you can do it! Then I hope they violate the automatic stay and owe you big bucks!!

[WorkingItOut]

Thanks everyone!!!! I will send out my first letters with documentation tomorrow and see what happens. I'll keep you posted.

And yes, a little post BK emergency fund would be very nice. LOL!