My debt was discharged through chapter 13 in the fall of 2011. I was checking my credit record to day (it's been too long) and discovered that a creditor began reporting my debt as charged off roughly three months after we'd begun our chapter 13 payments. In other words, we filed for bankruptcy in 10/08, began making payments to the trustee in November 11/08, but our plan was not confirmed until 3/09. The creditor (a local bank) was certainly notified well-before all this (even had phone calls asking us not to file as it would "ruin our credit"), but listed it as charged off in 2/09.
Can they do this?
Can they do this?