No Relief After Bankruptcy Discharge

A person finally makes the difficult decision to file bankruptcy. They collect all of their financial information, go through unpaid bills and collection notices, and file a bankruptcy petition in order to obtain a bankruptcy discharge of debts they simply cannot pay. This is one of the most difficult decisions a person will make.
The reason the Bankruptcy Code was established by Congress was to provide the honest but unfortunate debtor a fresh start by providing them with a bankruptcy discharge. The honest but unfortunate debtor the bankruptcy laws were enacted to protect, do not have the ability to pay their debts. Now, banks and other creditors are continuing to harm a person who filed bankruptcy and received a bankruptcy discharge by keeping the bankruptcy discharged debts active on credit reports. This action violates the discharge order and the United States Trustees are investigating banks and other creditors for violations of the Bankruptcy Code.  For more information about this practice please read this article in the New York Times.
At The Reissman Law Group, we routinely advise clients to wait approximately sixty days after receiving their bankruptcy discharge to pull their credit report. If the credit report shows any inaccuracies, we advise the client to file a dispute with the credit reporting agency. Usually, the agency will do an investigation and if a debt has been discharged, the credit reporting agency will update the information to indicate the debt was included in a bankruptcy discharge. If the agency does not update their file, then we will contact the creditor directly and provide them with the bankruptcy information and give them an opportunity to correct the issue. If this action fails, we can reopen a case and ask the bankruptcy judge to sanction the creditor for violating the bankruptcy discharge.
If you have filed bankruptcy and you still have debts being reported on your credit report contact us today for a free consultation. The attorneys at The Reissman Law Group will fight for your rights that are being violated after you receive your bankruptcy discharge.
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