Collection Agency Problems

[Tedderbear]

I have started disputing and I did it online with Experian. I chose the reason IIB and they came back saying this account remains and this is what is shows
I'm wanting to know shouldn't they have to report it as IIB? Also shouldn't high balance and recent balance say $0. I'm just soooo confused! Please help.....
Status:
Collection account. $47 past due as of Feb 2005.

Date Opened:
12/2004
Type:
Collection
Credit Limit:
$47

Date of Status:
02/2005 Terms:1 Months High Balance: :NA

Reported Since:
02/2005 Monthly Payment:$0 Recent Balance:$47

Last Reported Date:
02/2005 Responsibility:Individual Recent Payment: $0

Your Statement:
NA

Account History:
Collection as of Feb 2005

[ugh]

I wish I could help, but I am having the same types of problems. Even with all the helpful info on this site, I'm so confused about how things should be reported and disputed. Good luck!

[Tedderbear]

DITTO here! It's just soooooooo confusing. When I checked online with Experian they say I have to send something showing the account was IIB, but I thought I read on here never ever send that type of info........

[JusticeForAll]

If it was late and in collection before you filed, it shall remain reported like that. The can't report you being later after the filing date of your BK. It should however be listed as a 0 balance and IBB (but unfortunately, the lates and collection notations before your filing will remain for 7 years).

Some people are of the school that you should not send your BK papers to the CRA because they can then verify everything on it and later on you'll never get it removed until the standard time has passed.

Others just want to get their reports corrected and send the papers.

You should also note that I have had many accounts still reporting with balances, however, as time passes those accounts are being updated by the creditors as IBB without a dispute (two just this week). They only report once a month and sometimes it takes time for them to get your discharge papers. They are not required to report IBB until they receive your discharge papers from the court.

[CindyLou]

I've had better luck send the BK papers to the creditor. Call, get a person's name and fax. Tell them you are notating their name and sending it. Has not failed me yet. Justice for all is right about the lates. Sometimes they disappear, but they do not have to. Good luck.

[amyl]

I was advised by my attrny to NEVER send copy of the BK to anynone. My arrtny drafted a letter for me that I can fax and it only includes discharge info and no specific names that are discharged...it even includes (In the state of OHIO) that if a creditor name was not listed in the schedule it still has to be covered under a law.

Dunno how other states are but I am pretty sure a lot of states use this. My state is called 6th circuit you can google or ask your arrtny for your state law.

My letter states something to this affect:PLease be advised that (my name) who filed BK CHp.. on 00/00/00 under case # 0000 and discharge date 00/00/00 was issued in due course. A copy of discharge notice is enclosed. Please immedialtey mark your records to reflect the BK and cease any collection or erreronous reporting action against my client.