Question:
bankruptcy next to it. I was told that i can write a letter to the credit report agencies and they can erase each creditor, and i will only show bankruptcy on my credit report but each creditor won't be listed. How do i write this letter and what should be included in it? Thanks!
Answers:
Dismissed means that they did not allow your bankruptcy. I hope you mean Discharged. If you got it dismissed that means you still are liable for any of the debts. Discharged means you have been legally removed from owing the debt.
When you file bankruptcy it does not remove your other accounts. Those will remain on there for 7 years, but they should be listed as Included in bankruptcy and if the debt was discharged it will show a 0 balance. If they do not show this you can dispute it, but they will just change it to show it was in bankrputcy and set the balance to 0. You can attempt to have them validate the debts, and you may get them removed, however if they are ever reverified they will show right back on the report.
When I filed they told me that you have to file with each courthouse where the judgement or whatever was entered and most courthouses charge $10 to remove the entry. If you used an attorney to file they can help you with this.
OC is right.and be very careful!
If you are right and this BK was discharged...your creditors may not even know it. If you dispute this with the credit bureau, they have to contact the creditor to verify the debt.
Now the creditor is going to be very interested in finding out your BK was dismissed...and will come after you again. So plan your course wisely.discuss this with your attorney.
Hi,
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