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Hello I filed a Bk 7 Discharged on 8-15-16, It also has terminated on 8-18-16 did something else happen..argghh I am not sure what the next move would be or what to do now. I filed Pro-per I put my vehicle, in which I owe 10,000.00 but have 3 estimated values narrowing it down to $ 4668.75 due to alot of miles. I placed my car on the following schedules with my bk. Schedule C (form 106C) The property you claim as exempt (state and federal non-bankruptcy exemptions) Schedule D (form 106D) Creditors who have claims secured by property (form 108) Statement
My chapter 7 discharge was completed 7 years ago. I moved out of country and recently returned to find years of delinquencies from a discharged debt on my credit report, so I my credit is shot! How do I get this off my credit so I can build up my credit again? I can't even get a credit card or a place to live. This is the only negative mark on my credit but it is hurting me severely.
A family member received a letter from a JDB that is attempting to collect on an old CC debt that was included in their Ch7 bankruptcy. This is an initial contact with the proper language/disclaimers. Quick rundown - JDB is Jefferson Capital Systems (first I have heard of this particular outfit, possibly related to RJM Acquisitions) - Recently purchased the debt (no date given) - CC Debt, around $2-3K, last paid in 2009 - Discharged in BK CH7 in 2010 I've read the attempt to collect on BK discharged debt may be a violation of FDCPA Section 807: "(2) The false representation of (A) the cha