My husband and I filed Chapter 7 in 7/2005, and it was discharged in 11/05.
When I obtained our credit reports last year for our attorney, I noticed that there was still an open judgment for a utility company that I had actually paid through wage garnishment. The last garnishment was taken out in 12/2002. It was only on one of the reports (I believe Experian).
I pulled out the judgment paperwork and sent off a letter to both the utility company and the attorney that represented them, asking for a satisfaction. I received NOTHING from either one.
Our attorney (who ended up being absolutely terrible and shouldn't be doing anything associated with bankruptcies, but that's a whole other story) kept this judgment on the petition, since I never received a satisfaction. So -- this debt was discharged even though I paid it.
The utility company sent us a letter stating that if we ever needed their services in the future, we would have to pay a deposit because of the bankruptcy. Since then, I have since sent two more letters to them, asking what happened. To this day, I haven't heard a thing.
I just want them to correct their records, should we ever need their services in the future. And I would really like to know WHY they kept this open. I really don't know what to do to get them to at least acknowledge me.
I was also told that if it is found that I actually had not completely satisfied the debt (even though I find that hard to believe), any money this company received from me has to be given back. Is that true?
When I obtained our credit reports last year for our attorney, I noticed that there was still an open judgment for a utility company that I had actually paid through wage garnishment. The last garnishment was taken out in 12/2002. It was only on one of the reports (I believe Experian).
I pulled out the judgment paperwork and sent off a letter to both the utility company and the attorney that represented them, asking for a satisfaction. I received NOTHING from either one.
Our attorney (who ended up being absolutely terrible and shouldn't be doing anything associated with bankruptcies, but that's a whole other story) kept this judgment on the petition, since I never received a satisfaction. So -- this debt was discharged even though I paid it.
The utility company sent us a letter stating that if we ever needed their services in the future, we would have to pay a deposit because of the bankruptcy. Since then, I have since sent two more letters to them, asking what happened. To this day, I haven't heard a thing.
I just want them to correct their records, should we ever need their services in the future. And I would really like to know WHY they kept this open. I really don't know what to do to get them to at least acknowledge me.
I was also told that if it is found that I actually had not completely satisfied the debt (even though I find that hard to believe), any money this company received from me has to be given back. Is that true?
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