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How do I get a charge off changed to included in BK7 on my c

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rosuel.williams



Joined: 19 Dec 2009
rosuelwilliams's page
Posts: 1



31 Magic Points
Subject: How do I get a charge off changed to included in BK7 on my c
 
 Posted on Sat Dec 19, 2009 10:15 pm  
I fillied a BK7 in 2006 and it was discharged but there is one company that refuses to change it from a charge off to a bk7
goodnatured



Joined: 03 Nov 2007
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Posts: 3927



10 Magic Points
 
 Posted on Sun Dec 20, 2009 1:57 pm  
I am not real sure which would be worse, charge off or bk7, either way it will stay on the negative side and affect your credit, it will be there for the seven year period, how old is the debt?

If it has been on there for a while then you may be better off just leaving it alone and letting it fall off, it will always be in the negative anyway.
Doc

Doc

Joined: 02 Dec 2008
Doc's page
Posts: 184
Location: McKinney, TX


1131 Magic Points
 
 Posted on Sun Dec 20, 2009 2:12 pm  
I would sue them if they don't comply... That is a HUGE violation, and it is very actionable...

Contact a competent consumer law attorney in your area... If you need help finding one, let me know...
_________________
-Doc Compton, Omega Credit Repair
I provide info for free, & all I ask is that you visit my site... I don't wanna sell you anything, I just wanna increase my traffic, and push my site up in the search engine rankings...
http://www.omegacreditrepair.com
fireyone



Joined: 26 Feb 2008
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Posts: 4285



127 Magic Points
 
 Posted on Wed Dec 23, 2009 3:21 am  
Did you have a lawyer when you filed bankrupt? If so I would give that person a call first. Doc is correct it is a huge violation and they can get in trouble. I see Goodnatureds point about it being a negative regardless but I would think being listed as a bankruptcy protects you from being sued by collection agencies or anyone else for the money owed on the debt. I would get it listed as soon as you can.
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3927



10 Magic Points
 
 Posted on Sat Dec 26, 2009 11:38 pm  
Good point fireyone, if an attorney was involved you sure pay them enough, they should draft you a letter that states that you have filed the bk and that this debt should be reported appropriately on your credit report.
Doc

Doc

Joined: 02 Dec 2008
Doc's page
Posts: 184
Location: McKinney, TX


1131 Magic Points
 
 Posted on Sat Dec 26, 2009 11:41 pm  
The attorney should SUE the creditor for a violation of the stay that is granted in the BK... It's generally a slam-dunk lawsuit... If you need an atty, call me... I'll be happy to help you find one...
_________________
-Doc Compton, Omega Credit Repair
I provide info for free, & all I ask is that you visit my site... I don't wanna sell you anything, I just wanna increase my traffic, and push my site up in the search engine rankings...
http://www.omegacreditrepair.com
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 4285



127 Magic Points
 
 Posted on Sun Dec 27, 2009 11:03 pm  
I would sue. They surely get away with enough money so why not get a little of theirs.
debranewell2008



Joined: 10 Oct 2009
debranewell2008's page
Posts: 594



99 Magic Points
 
 Posted on Sun Dec 27, 2009 11:16 pm  
I had the same problem with one refusing to report it as included in bankruptcy until I let them know I had the federal trades commission involved. Then they couldn't correct it quick enough. I wish I would have known I could have sued because I wouldn't have done that quick enough as well. I have just had some bad experiences with these companies lately.

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