This is kind of weird...

[ohiogal]

I filed for BK in March.

I got an alert from my Equifax today that my Citibank Visa balance has increased by $400.

But the account is closed - is this common, that creditors add charges (I'm assuming it's late fees or something since I'm obviously not using the card!) after a bankruptcy is filed? Could this mean they're not intending to discharge the debt? Or is it just that the system is automated and hasn't caught up to the fact that I've filed? Will I be notified before the hearing if any of my creditors are going to refuse to discharge my debt?

Just trying to make sense out of this...

[shark66]

All and any creditors would love NOT to discharge your debt. But that's exactly why one (amongst other reasons) files BK.

So it's really not their call any more.

Sleep tight and good luck.

[StartingOver08]

Not only can they not increase your balance on your credit report, all the balances should read zero for the debt in your BK.

The creditors are not very good at reporting the right thing right away. It is as you suspected, a "system" issue and the creditors data lags the actual events. The credit report does not indicate anything having to do with your case, so the monitoring is really not essential at this point at all.

It is extremely unlikely that you will have an issue at your 341 with your creditors, it is rare for the creditors to even show up!

Correct reporting is not likely to happen until AFTER your actual discharge. You will want to check your CR's with each CRA after your discharge to make sure each debt is listed as included in bankruptcy with zero balance.

[ohiogal]

Not only can they not increase your balance on your credit report, all the balances should read zero for the debt in your BK.

This is not likely to happen until your actual discharge. You will want to check your CR's with each CRA after your discharge to make sure each debt is listed as included in bankruptcy with zero balance.

Actually, on my Equifax a lot of my creditors do show my account with them as listed with the bankruptcy, with a balance of $0. Looks like the only ones who don't (at least not so far) are Citibank, Capital One and Discover Card. (For some reason, Discover lists that my balance decreased by $218 on March 20. I didn't give them any money so I don't know what's going on with that either!)

Should I let my attorney know about this?

[StartingOver08]

You can let him know, but really you just filed last month and you don't have your discharge yet. You might actually get further by notifying the actual creditor of their "mistake".