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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 of Intention for individuals filing under chapter 7 (I checked: retain the property and redeem it and retain the property and redeem crime victims reparation law) The loan company left me a message the day after the discharge, I am not sure what to do from here. Did I screw this up in order to keep the car? I don't have the money to pay all at once. Thank you
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 character, amount, or legal status of any debt." Even if so, not interested in pursuing anything legally, they just don't want to deal with garbage like this, hopes to not have to deal with this debt being sold again & someone creating a trade line over it. What is the best response? I haven't found anything specific for this in the CIC (so far), and only a few related items elsewhere. The recommendation seems to be to send a letter informing the JDB that the account was discharged, to cite the case number of the BK, and instruct them to cease collection efforts. Is this enough? Include any pages from the BK?