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Credit Union Requested Payment of Discharged Debt

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    #1

    Credit Union Requested Payment of Discharged Debt

    Hello,

    New to forum. This is my first post and I need some info if anyone can help.

    I filed for Chp. 13 in April 1998. Everything went fine, all payments were made (5 year plan) and the bankruptcy was discharged. I have since cleaned up my credit report making sure that all negative information had dropped off. I have established a hard earned FICO of 800+ and purchased a new home etc.

    Today my wife and son stopped by a credit union that had been listed as part of our filing almost ten years ago to open an account for the boy. They would not allow her to open the account due to a charge-off (over-draft protection) that they still had on record. They asked her to voluntarily pay the amount. Again this was listed as part of the bankruptcy, they did not file an objection and it no longer appears on any credit report that I have seen.

    Has this credit union violated the law?

    Any insight would be most helpful.

    Thanks
    Griff
    Last edited by Griff; 12-28-2007, 06:21 PM. Reason: reads better
    Tags: None
    #2
    Credit unions are notorious about never forgiving you once you file against them. They are within their rights to deny anyone the opportunity to open an account with them. However, if they are still reporting the bk account as IIB on your credit reports, then you have the right to dispute that with the three credit agencies and get it removed immediately.

    Frankly I wouldn't want to do business with a credit union like this one - move on and find a more friendly bank or area credit union who will appreciate getting your good business.
    Last edited by lrprn; 12-27-2007, 10:15 PM.
    I am not a lawyer and this is not legal advice nor a statement of the law - only a lawyer can provide those.

    06/01/06 - Filed Ch 13
    06/28/06 - 341 Meeting
    07/18/06 - Confirmation Hearing - not confirmed, 3 objections
    10/05/06 - Hearing to resolve 2 trustee objections
    01/24/07 - Judge dismisses mortgage company objection
    09/27/07 - Confirmed at last!
    06/10/11 - Trustee confirms all payments made
    08/10/11 - DISCHARGED !
    10/02/11 - CASE CLOSED
    Countdown: 60 months paid, 0 months to go

    Comment

      #3
      Christian Community Credit Union is very BK friendly ! I got this from this forum !

      Homepage
      https://www.mycccu.com
      At Christian Community Credit Union (CCCU), we offer full-service digital banking, along with nationwide shared branches and ATMs. When you bank with Christian Community Credit Union, you bank with your values!


      Good Luck, Catchmeifyoucan
      July 2006: Filed Ch13 :blink:
      Oct 2006: Converted to Ch7 :clapping:
      Jan 2007: DISCHARGED :clapping:
      Nov 2007: CLOSED :yahoo::yahoo::yahoo:

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