Bankruptcy Law Questions? Ask a Bankruptcy Lawyer.
It is a violation of the Bankruptcy Code for any creditors to submit any information to credit bureaus beyond the fact that the account was included in a Bankruptcy.
If any creditor in your Bankruptcy - whether secured or unsecured - is reporting an account as past due, the credit bureau has to remove that designation if you bring this to their attention.
In the middle of the page - where the word COMPLAINT is - you would write, ''Complaint Seeking Damages for Violation of Automatic Stay''.
Underneath that caption, you would use numbered paragraphs to indicate the facts involved, and the damages you are seeking.
Since there are usually no damages while a Bankrutpcy case is in progress, this is the type of motion that is normally filed after a Bankrutpcy case is discharged.