Have a very good question...Need a very good answer

[Ann]

All,

Without going into great detail I was wondering if after you are discharged in a chapter 7 can a creditor (in this case PNC Bank) be in violation if they contacted me about why I haven't paid on the second mortgage? It wasn't reaffirmed. I just remembered they did contact me about 18 months ago FIRST by phone. I went through my cell phone records and I found their number. They will not work with me in settling whatsoever so as I sat and thought about it I do remember their call. I would really like to know if I have any chance NOW of reporting them? If so is 18 months after the fact just too long ago to do anything? I know I may be way off but honestly I would love to use this as leverage that they shouldn't have contacted me. I'm very interested in what anyone might have to say on this.

[justbroke]

I would say that 18-months and without them repeating the contact after being informed of the stay, would be thrown out since you suffered no harm.