an old mbna acct was aquired by a law firm which obtained a judgement, they couldnt collect so sold it to another firm, which i signed a separate promise to pay, for the orignal judgment. which would i list on bk, if i filed pro se? the orignal mbna acct, or would it hurt to list all three as creditors? i assume after bk, it will stay on credit report, but be unenforcable.correct? how could i get it removed after bk? or could i? also, do you normally list original creditor only, or all the ca,s and jdb,s that have purchased the acct, and passed it on after unsuccessfully trying to collect?
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List all 3 to be on the safe side.
After discharge you can file a separate motion with the court that granted the judgment to have it vacated due to bankruptcy discharge.
Then it is completely worthless to the creditor.The world's simplest C & D Letter:
"I demand that you cease and desist from any communication with me."
Notice that I never actually mention or acknowledge the debt in my letter.
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