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Big Wally

Reporting during BK process

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If all accounts are current on day of filing, how is reporting handled IE. "Included in BK", with no notations of "never late" and zero balance?

What happens to reporting during period from filing to discharge?

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If all accounts are current on day of filing, how is reporting handled IE. "Included in BK", with no notations of "never late" and zero balance?...

That's what SHOULD happen (with ALL notated "never late" !). Probability is quite high OC's will shirk their duties and report lates and charge-offs before your discharge is even granted and you'll have to dispute them to either delete or correct.

...What happens to reporting during period from filing to discharge?

See above, that's generally when all this crap is put on your files.

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Crofttk is correct. You may THINK you have been bestowed with the protection that was provided with the BK laws but I'm finding the OC's and the CRA's think otherwise.

I'm not sure how long CRofttk has been at it but I've been at it for about 3 months now, and I'll warn you it may get worse before it gets better. For me is started with disputing a 30 day late, which did not occur. That dispute got me "collection/charge off, that dispute got me "collection/SKIP TRACE, that dispute got me 90 days late. About that time I decided these guys aren't nice they won't do the right thing, and I need a paper trail. I figure another 90 days to get it done.

Keep watching your reports, document what you do ( disputes, replys, etc), always think in terms of; If I had to show someone a logical progression will this do? It is to easy to get emotional and shoot from the hip but that won't work in court, which you may ultimately have to do.

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When all is said and done, account should read as stated above--Included in BK $0 balance. Watch those creditors, they are shady as h***. Allow about a month or so to give them a chance to report it as above and if they don't then join the dispute club!

Don't let them get away with anything. Good luck.

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