Once you file bankruptcy, creditors must stop negatively reporting to the credit agencies. While they can report that you filed bankruptcy and that the debt was discharged, they must stop reporting past due balances. Unfortunately, some creditors disregard this restriction and carelessly continue their negative reports to the agency. This is a violation not only of the bankruptcy discharge, but of the Fair Credit Reporting Act as well.
If you are a victim of wrongful reporting after filing a bankruptcy, understand that you have rights. There are actions that can be done to fix inaccurate information on your credit reports and, if necessary, you can sue your creditor and the credit agencies if they fail to abide by the regulatory laws that govern credit reporting.
If you are in need of help concerning inaccurate information on your credit report, an experienced Arizona bankruptcy attorney can review your case. Call (480) 648-8975 today for your FREE consultation and I can help you to better understand your rights against unlawful creditors.