Bankruptcy Law

Bankruptcy law questions? Ask a bankruptcy lawyer.

Ask a Lawyer,
Get an Answer ASAP!

I had a chapter 7 bankruptcy that closed on 6/1020. A

Customer Question
I had a chapter 7...
I had a chapter 7 bankruptcy that closed on 6/1020. A creditor in my filing continues to show this account open and refuses to close it in my 2/2016 credit report from Equifax.
What are my options? Equifax refuses to close it though my bankruptcy is part of my credit file. They state that the creditor states the information on file is correct.
Submitted: 2 years ago.Category: Bankruptcy Law
Show More
Show Less
Ask Your Own Bankruptcy Law Question
Answered in 19 minutes by:
3/1/2016
Bankruptcy Lawyer: KLAW, Lawyer replied 2 years ago
KLAW
KLAW, Lawyer
Category: Bankruptcy Law
Satisfied Customers: 2,475
Experience: I have over 20 years of experience in commercial real estate law, finance, consumer credit, landlord tenant, and business law.
Verified

Hello and welcome to Just Answer. No attorney-client relationship or privilege is formed by speaking to an expert on this site, the answers are for general information. By continuing, you confirm that you understand and agree to these terms.

Under the US bankruptcy Code, filing a bankruptcy clears the monies owed and therefore the liability toward the creditors. All debts that were included in your bankruptcy should be reporting with a ZERO balance, show ZERO due, and should show that nothing past due after the date of your bankruptcy filing, and should be noted next to the creditor, as "included in bankruptcy' or similar verbiage. If they don’t show the zero balance and indicate that the debt was discharged in bankruptcy, then you can dispute it and ask that they add the notation.

However, if you have account history that includes late charges before you filed for bankruptcy, that history can legally continue to be reported under the Fair Credit Act. However, any incorrect dates should be removed.

Remember, a discharged debt cannot be late, so if a creditor reports a late for a date AFTER your bankruptcy filing date, and certainly post-discharge, dispute it.

Additionally, if a debt is reported as a charge off, the Federal Trade Commission states that if a debt was not in charge-off status before you filed for bankruptcy, it cannot be reported as a charge-off after your bankruptcy,

I hope this helps with your question.

Ask Your Own Bankruptcy Law Question
Was this answer helpful?

How JustAnswer works

step-image
Describe your issueThe assistant will guide you
step-image
Chat 1:1 with a bankruptcy lawyerLicensed Experts are available 24/7
step-image
100% satisfaction guaranteeGet all the answers you need
Ask KLAW Your Own Question
KLAW
KLAW
KLAW, Lawyer
Category: Bankruptcy Law
Satisfied Customers: 2,475
2,475 Satisfied Customers
Experience: I have over 20 years of experience in commercial real estate law, finance, consumer credit, landlord tenant, and business law.

KLAW is online now

A new question is answered every 9 seconds

How JustAnswer works:

  • Ask an ExpertExperts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional AnswerVia email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction GuaranteeRate the answer you receive.

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises!

Gary B.Edmond, OK

My Expert was fast and seemed to have the answer to my taser question at the tips of her fingers. Communication was excellent. I left feeling confident in her answer.

EricRedwood City, CA

I am very pleased with JustAnswer as a place to go for divorce or criminal law knowledge and insight.

MichaelWichita, KS

PaulMJD helped me with questions I had regarding an urgent legal matter. His answers were excellent.

Three H.Houston, TX

Anne was extremely helpful. Her information put me in the right direction for action that kept me legal, possible saving me a ton of money in the future. Thank you again, Anne!!

ElaineAtlanta, GA

It worked great. I had the facts and I presented them to my ex-landlord and she folded and returned my deposit. The 50 bucks I spent with you solved my problem.

TonyApopka, FL

Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help.

Mary C.Freshfield, Liverpool, UK

< Previous | Next >

Meet the Experts:

Terry L.

Terry L.

Attorney

2,720 satisfied customers

Better Business Bureau. 18yrs bankruptcy experience. Chicago Bar Assoc. American Bankruptcy Institute member.

cortrightlaw

cortrightlaw

Attorney

513 satisfied customers

Attorney practicing Bankruptcy Law including Chapter 7, Chapter 11, Chapter 12, and Chapter 13.

JoeLawyer

JoeLawyer

Attorney

376 satisfied customers

Attorney in the practice of Bankruptcy Law since 1996

A.J.

A.J.

Attorney

262 satisfied customers

Experienced consumer bankruptcy attorney.

Fritz

Fritz

Attorney

209 satisfied customers

Florida attorney with extensive experience in Chapter 7 and Chapter 13 consumer bankruptcy cases

Law Girl

Law Girl

Attorney

153 satisfied customers

I am an attorney.

Paul K, Esq.

Paul K, Esq.

Attorney

141 satisfied customers

10 years Exp., Great customer service, Prompt responses.

< Previous | Next >

Related Bankruptcy Law Questions
I have two separate legal questions: BOTH concern debt but
I have two separate legal questions: BOTH concern debt but one concerns Bankruptcy laws--specifically BK debt and an atty responsibilities if I file chapter 7. 1) If I file chapter 7 and I ask the att… read more
Terry L.
Terry L.
Attorney
Doctoral Degree
2,720 satisfied customers
I file a chapter 13 in 2005 it was converted to a chapter 7
I file a chapter 13 in 2005 it was converted to a chapter 7 in 2009. A couple of new creditor was added to the chapter 7. I file under the old bankruptcy laws. The new creditors sold the accounts whil… read more
Terry L.
Terry L.
Attorney
Doctoral Degree
2,720 satisfied customers
Does a Chapter 13 in Minnesota come off our credit report in
Does a Chapter 13 in Minnesota come off our credit report in 7 or 10 years? I thought a Ch 13 was 7 years and a 7 was 10 years. Please advise.… read more
LawTalk
LawTalk
Attorney at Law
Juris Doctor
3,071 satisfied customers
My Chapter 7 bankruptcy was discharged in Aug of 2013. I got
Hi,my Chapter 7 bankruptcy was discharged in Aug of 2013.I got an alert from my credit card credit tracker today and opened the alert and it showed me that yesterday, Navy Federal Credit Union reporte… read more
Phillips Esq.
Phillips Esq.
Attorney
JD
20,441 satisfied customers
i filed bankruptcy in 2009 it was chapter 7 discharged i live
i filed bankruptcy in 2009 it was chapter 7 discharged i live in illinois i want to let my home go i wanted to affirm the mortgage but the bank didn't what to give me a affirmation agreement so on my … read more
socrateaser
socrateaser
1,452 satisfied customers
My attorney filed 2 of my private TERI loans into a chapter
My attorney filed 2 of my private TERI loans into a chapter 7 bankruptcy in 2009 leaving my Federal School loan out of it in the unsecured priority claims. The TERI were under unsecured non-priority c… read more
socrateaser
socrateaser
1,452 satisfied customers
State of Florida. Joint Credit Card / Divorced Couple. Wife
State of Florida. Joint Credit Card / Divorced Couple. Wife is Primary Borrower with Ex-husband's name still listed on the account as co-borrower. Wife has been the only one using the account for 8 ye… read more
Paul K, Esq.
Paul K, Esq.
Attorney
141 satisfied customers
I continue to be denied employment for my Chapter 13 bankruptcy
I continue to be denied employment for my Chapter 13 bankruptcy which is a result of being laid off. It is always the single factor my denial. This has continued for three years and I will have a degr… read more
Fritz
Fritz
Attorney
209 satisfied customers
it seem the law of frca 2009 says chapter 13 goes off a credit report 7 years from date
it seem the law of frca 2009 says chapter 13 goes off a credit report 7 years from date of filing. where can i find this so i can jam it up equifax. they continue to report it even though it past the … read more
retirementlawyer
retirementlawyer
Attorney
Doctoral Degree
1,606 satisfied customers
Im thinking about filing bankruptcy, chapter 7. Will I have
I'm thinking about filing bankruptcy, chapter 7. Will I have to close out my credit cards that don't have a balance? Are you allowed to keep those accounts open that have no balance?… read more
cortrightlaw
cortrightlaw
Attorney
Doctoral Degree
513 satisfied customers
A Debtors chapter 11 bankruptcy case has been confirmed and
A Debtor's chapter 11 bankruptcy case has been confirmed and a Final Decree (not discharge) has been ordered by the court (though technically the case has not been closed). A creditor, whose mortgage … read more
C.Fortunato
C.Fortunato
J.D.
26 satisfied customers
In the state of Maryland since the bankruptcy 7 was discharged
In the state of Maryland since the bankruptcy 7 was discharged in 2009 is it legal for the creditor to continue updating the credit bureaus on a monthly basis(recently as 8/11) saying bankruptcy disch… read more
Phillips Esq.
Phillips Esq.
Attorney
JD
20,441 satisfied customers
If a person files for Chapter 7 Bankruptcy, what happens to
If a person files for Chapter 7 Bankruptcy, what happens to credit cards that have no debt against them? Can a person keep them to use after Bankruptcy?… read more
socrateaser
socrateaser
1,452 satisfied customers
If I declared chapter 7 bankruptcy and it was discharged in
If I declared chapter 7 bankruptcy and it was discharged in June of last year, would my private student loan of $50,000 be included? Before the bankruptcy my loan was through Chase and then went into … read more
Phillips Esq.
Phillips Esq.
Attorney
JD
20,441 satisfied customers
My question regards bankruptcy. I want to know if my corporation
My question regards XXXXX XXXXX want to know if my corporation would qualify. It is a corporation. I am assuming that I would file a Chapter 7. The corp has a long standing negative cash flow. It is p… read more
C.Fortunato
C.Fortunato
J.D.
26 satisfied customers
I filed chapter 7 bankruptcy about 3 years ago, and everything
I filed chapter 7 bankruptcy about 3 years ago, and everything was discharged and the case was closed, and recently noticed that I left out 3 creditors (2 cell phone companies, and a dentist bill) all… read more
FiveStarLaw
FiveStarLaw
Attorney
Doctoral Degree
477 satisfied customers
In 2004 I had roughly $80,000 in unsecured debt spread across
In 2004 I had roughly $80,000 in unsecured debt spread across 11 credit card companies. I have health problems, do not work, and my assets fall within the allowed exemptions. I live in North Carolina.… read more
Roger
Roger
Litigation Attorney
Doctoral Degree
26,939 satisfied customers
I am a healthcare provider (physical therapist) who has a ...
I am a healthcare provider (physical therapist) who has a small outpatient physical therapy office in CA. I had a patient with an outstanding bill. She is a housewife and her husband works at a job cu… read more
JoeLawyer
JoeLawyer
Attorney
Juris Doctorate
376 satisfied customers

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

Show MoreShow Less

Ask Your Question

x