Discharged and a collection call on the same day

[reset]

Today we saw our Discharge papers on the web.... but I also received a call from BOA for a breach of contract...? I checked the papers and saw that the attorney posted CHEX SYSTEMS as a notice in our debts - not specifically BOA...

I sent an email to my attorney - waiting for a reply....

Has anyone seen this? I am assuming I will have to pay it.....

[EricaCallaha]

Don't get out your checkbook yet. Did BoA get a notice? Is Chex Systems who you believed owned the debt?

[JRScott]

I wouldn't pay it yet, I'd wait and see what your lawyer says.

[StartingOver08]

Chexsystems is a reporting agency for returned NSF's or overdrafts. This is a database banks check for any sort of overdraft. A check or debit is reported if not paid within a certain time period.

Normally the debt is reported to Chexsystems, but not owed to them. It is either owed to the OC (in this case BOA) or a collections agency.

The BK wipes out the debt if it was before your filing. As the others said, check with your attorney first.

[dingdong]

Are you asset or no asset? It may make a difference.


If no asset, some districts assume all dischargable debt prior to filing is discharged, even w/o notice or having the debt scheduled as their are no assets to dsitribute and no proof of claim is needed.

The logic is , why reopen a case to amend when there was nothing to pay out and take up the courts time?

Has your case closed?