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I filed for Chapter 7 in 2011 and was discharged in 2012. I…

I filed for Chapter...

I filed for Chapter 7 in 2011 and was discharged in 2012. I recently was contacted by a "legal" person saying that I defaulted on a payday loan. I informed that person that I had placed it in my bankruptcy. He told me I defaulted on my bankruptcy and that this debt went into collection in 2013. He stated I was being sent a summons. What can I do? I followed the law and now being threatened.

Lawyer's Assistant: What state are you in? And has anything been officially filed?

The payday loan originated in California. I have relocated to Washington.

Lawyer's Assistant: Has anything been filed in civil court? If so, what?

Nothing that I am aware of. I check my credit report consistently now.

Lawyer's Assistant: Anything else you want the lawyer to know before I connect you?

Just trying to find out what I can do

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Answered in 1 minute by:
4/24/2018
Ray
Ray, Lawyer
Category: Legal
Satisfied Customers: 48,857
Experience: 30 years in civil, probate, real estate, elder law
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Hi and welcome to JA. Ray here to help you today.Please bear with me a few moments while I review your question and respond.

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Customer reply replied 3 months ago
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Customer reply replied 3 months ago
texting is fine
Customer reply replied 3 months ago
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He is jiving /lying to you.If you were discharged and the loan was listed as a creditor there is no such thing as a default on Chapter 7.They are just trying to get you to pay here.Reference them to the Chapter 7 case number ***** hang up the phone.Thats all you are required to do.This is a discharged debt nothing more.

I appreciate the chance to help you today.Thanks

If you can positive rate 5 stars it is mcuch appreciated.

Ray
Ray, Lawyer
Category: Legal
Satisfied Customers: 48,857
Experience: 30 years in civil, probate, real estate, elder law
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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.

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