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Accounts on credit report after filing ch13

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    Accounts on credit report after filing ch13

    Just curious, I filed at the end of June and have my 341, in 2weeks. I have been paying my cars and mortgage , but I did notice this week that my mortgage and my capital one auto have been removed from my credit report. I know this may not mean much, but is this a normal thing?

    #2
    Absolutely normal. They do this so they don't violate the automatic stay. Some opine that "reporting" of a debt is a coercive form of collecting a debt... which is prohibited by the automatic stay and permanent discharge injunction. At best, they can report a status of IIB (included in bankruptcy) or a Chapter 13, and must report a $0 balance with no history. For most creditors it is easier just to remove the account from being reported.
    Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
    Status: (Auto) Discharged and Closed! 5/10
    Visit My BKForum Blog: justbroke's Blog

    Any advice provided is not legal advice, but simply the musings of a fellow bankrupt.

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