is this against the law

Since is was dicharged in the bankruptcy, this company can't legally collect on it. You need to send them a copy of the proof it was discharged and then file a complaint against them for illegally trying to collect on a discharged debt. This is a perfect example of how low the collectors will go to cushion their monthly bonus.

If the collector is really into a low job, you must go through your credit report regularly. They might hit something negative in your file and you will remain unaware of it. The credit scores will severely go down before realizing it.

Tammy is right, you need to show your proof that the debt was discharged in bankruptcy and keep them away from you

Which collection agency is calling you? Check them if they are licensed in your state. If they don't stop contacting you, report to your state attorney general and the FTC.

Tammy and PassionHunting are talking about discharge, but the original post says the BK was dismissed.

Dismissed and discharged are two different things. Discharged means the debtor has been granted relief under the Bankruptcy code, and debts are wiped out. But Dismissed means the case was thrown out and the debts are still valid and enforceable.

If the BK was discharged, then you chould send the collection agency a copy of the disharge letter that the court gave you. If it was dimissed, then they are allowed to collect on it.

My apologies! I really didn't notice the word "dismissed"

If the court dismissed the case, the debt still remains collectible. You need to get the debt validated by the CA before sending money.

Thanks Mike for correcting me. It might have gone the wrong way.

I am reading your posts. You have huge knowledge on debt solutions. Nice to have you here in the forums.