In Chapter 7, I understand that creditors can continue to report to credit reporting agencies (Experian, Equifax, Transunion, etc) AFTER discharge, and it is not a violation of the discharge order in terms of collecting a debt.
However, what if the creditor had never reported to the credit reporting agency at all, not ever, before or even during bankruptcy. Since the creditor had never reported, could the act of a creditor who is newly engaging in reporting a old discharged debt to a credit reporting agency (after the discharge date) be considered to an attempt to collect a debt? As post discharge, technically and legally it is no longer a debt.
However, what if the creditor had never reported to the credit reporting agency at all, not ever, before or even during bankruptcy. Since the creditor had never reported, could the act of a creditor who is newly engaging in reporting a old discharged debt to a credit reporting agency (after the discharge date) be considered to an attempt to collect a debt? As post discharge, technically and legally it is no longer a debt.
Bankruptcy Tutor
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