HELP! Urgent!

[GINTER]

3rd year in my chapter 13..

A company which claims I didn't remit a balance in 2009 filed negative comments on all three of my credit bureaus. I called them to explain that I filed for CH13 prior to their negative credit bureau comments, but I spoke to a phone rep, which said that she can't help me.

Do I have any recourse?

[drowning123]

I guess you dispute the negatives with the credit bureaus. Keep hounding them (credit bureaus) by writing letters upon letters until they get tired of you and wipe off the negatives.

[AngelinaCatHub]

Also if you have a lawyer alert him or your Trustee for sure. You may be able to get the Court to give them a bit of a sanction. 'Hub

[justbroke]

Definitely speak with your attorney if you have one. There could be issues in a Chapter 13 if this creditor was not notified of the case. If you didn't include them on the schedules and your case is paying a dividend to unsecured creditors, it may be a little tricky to get this straightened out.

Even after what I post here, try disputing the entries with the credit bureaus. That may be the most expedient way to fix the issue.

[GINTER]

Are there sample forms / letters I can follow to obtain the best results (when addressing the credit bureaus).

[HHM]

What exactly are the "negatives"?

[GINTER]

Past due amount / collections. They claim these collections are prior to my ch13 filing, but I never received anything until now. Isn't there an "order of stay" if you're in ch13?