Archive for the ‘Discharge Violations’ Category

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 the Fair Credit Reporting Act as well.

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One of the most significant benefits of bankruptcy is the relief you get from the harassment of creditors. Immediately upon filing for bankruptcy, the creditor must stop calling and/or sending you bills. This protection from debt collection continues throughout the bankruptcy process and becomes permanent once you are given a discharge.

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