Need advice on post BK credit reports

[Icandothis]

* EDIT *

Sorry, posted in wrong forum, re-posted my question in the Credit Forum.

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Hi all.

My wife and I filed for CH7 bankruptcy in Sept 2009 and was discharged May 2010.

I just pulled all our credit reports and there are some errors. I am going to send some letters and have a few questions...

1. Should I write a letter for each error and mail them seperately?

2. The biggest error that has my concern is on all 3 of my wife's credit reports. There was a small medical bill that was included on our Schedule F. That medical billing company sent that to collection (Credit Management Company) AFTER the BK was filed. It states on the credit reports that Credit Management Company was discharged in bankruptcy. How is that even possible when Credit Management Company wasn't included on Schedule F? What is the best way to go about this?

[dumpinmydebt]

* EDIT *

Sorry, posted in wrong forum, re-posted my question in the Credit Forum.

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Hi all.

My wife and I filed for CH7 bankruptcy in Sept 2009 and was discharged May 2010.

I just pulled all our credit reports and there are some errors. I am going to send some letters and have a few questions...

1. Should I write a letter for each error and mail them seperately?

You don't have to, but you can. Also, you can dispute errors online directly through the credit bureaus website.

2. The biggest error that has my concern is on all 3 of my wife's credit reports. There was a small medical bill that was included on our Schedule F. That medical billing company sent that to collection (Credit Management Company) AFTER the BK was filed. It states on the credit reports that Credit Management Company was discharged in bankruptcy. How is that even possible when Credit Management Company wasn't included on Schedule F? What is the best way to go about this?

I'm not exactly sure why you are concerned about this? Don't you want the collection to be discharged? If you are disputing that it should have never went to collections then you will probably have to contact the original creditor. How long after filing was it sent to collections? It's possible that they may have sent it before they received your official notice of filing.

[Icandothis]

I'm not exactly sure why you are concerned about this? Don't you want the collection to be discharged? If you are disputing that it should have never went to collections then you will probably have to contact the original creditor. How long after filing was it sent to collections? It's possible that they may have sent it before they received your official notice of filing.

After we filed for BK, the original creditor kept sending us letters. We talked to them on the phone 5 times and informed them of our filing. They sent it to collections anyways. The original creditor was on the Schedule F, not the collection agency. I am no expert, but it seem to me that many laws were broken.

[IBroke]

After we filed for BK, the original creditor kept sending us letters. We talked to them on the phone 5 times and informed them of our filing. They sent it to collections anyways. The original creditor was on the Schedule F, not the collection agency. I am no expert, but it seem to me that many laws were broken.

Do you still have the initial letter where the collection agency contacted you for the first time (you know, the one stating "unless you notify us within 30 days that you dispute, we consider the debt to be valid"...)? If yes, and that letter was dated AFTER you filed, send the collection agency a copy of that letter and a copy of the PACER-page that shows your filing-date. Include a little letter, telling them that they violated the automatic stay and that you already notified them SEVERAL TIMES that they tried to collect a debt that was included in bankruptcy.

And now comes the interesting part: Tell them that you are going to forward this case to your BK-attorney and that they will be sued UNLESS they remove the entire collection-account from ALL credit-reports within 30 days.

Send that letter CMRRR (Certified Mail Return Receipt Requested). That should get their attention.

[researchnerd]

I am not sure why it matters whether it's listed as IIB by the original creditor or the collection agency, or both. Can you help me understand?

[Icandothis]

I am not sure why it matters whether it's listed as IIB by the original creditor or the collection agency, or both. Can you help me understand?

Lots of reasons...

Its listed as two separate accounts on 2 credit reports and 4 accounts on another. (it was one freaking bill) It's listed as multiple negative accounts when it should be one account. Its listed a collection when it should have never went to collection. It should be one account, from the original creditor, included in bankruptcy. Nothing more. All those add up and look bad/worse on the reports.