Discharge BK7. Now have a CA serving me
Date: Wed, 06/22/2011 - 14:24
I wanted to see if someone new anything about the permanent injunction that happens on a debt after you file BK and it is discharged.
My BK was discharged in Nov of 2005, a credit card was opened up in Oct of 2005 by the same company that was included in my BK. My BK was a no-asset chapter 7 in Colorado.
Can you tell me if the injunction would prevent this CA from collecting on this?
I did not open the account. I have all paperwork including the matrix and the mailings to all the companies. This company was on there 3 times for mailings for different addresses.
Thanks
Quote:My BK was discharged in Nov of 2005, a credit card was ope
Quote:
My BK was discharged in Nov of 2005, a credit card was opened up in Oct of 2005 by the same company that was included in my BK. My BK was a no-asset chapter 7 in Colorado. |
I understand the timeline does not make sense. I did not open a
I understand the timeline does not make sense. I did not open an account with this company in October of 2005. The credit agency has served me paperwork stating this is my debt. I never opened an account with them, I already had an account that was included in the BK I was filing. The account numbers do not match. I am trying to understand how the injunction works. To my understanding it is only the accounts that you had filed before you filed. I have been fighting with the Credit Bureaus that this is not my account.
I filed in Aug and the said account was opened in Oct and my discharge was Nov.
So they are serving you a summons?? You need to answer the cou
So they are serving you a summons?? You need to answer the courts. Explain it is not your account and that when it was opened, you were in BK
Who is the creditor?? Have you talked to the attornies office handling it? Disputed it with them?
Yes I have spoke to the CA and explained to them that this was o
Yes I have spoke to the CA and explained to them that this was opened while I was in BK. They do not care they are there just to get the money. I am going to answer the summons.
I just wanted to find out if I could use the permanent injunction rule on this? I do not think I can because it was opened post filing. HSBC was notified I was filing BK so they should have never let anyone open an account with my SSN or name.
It is extremely frustrating trying to deal with this CA.