If I had a debt discharged through Chapter 7but the creditor has continued to report the debt as a charge off with an outstanding balance, what recourse doI have?

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If I had a debt discharged through Chapter 7but the creditor has continued to report the debt as a charge off with an outstanding balance, what recourse doI have?

I disputed it with the credit bureaus, but the creditor would not correct the reporting. I spoke with them and they would not update it because the charge off was prior to the bankruptcy. They obviously don’t know anything about bankruptcy law. What kind of legal recourse do I have in this situation? I am tired of banks bullying people via the credit bureaus.

Asked on February 25, 2012 under Bankruptcy Law, Oklahoma

Answers:

FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney

Answered 12 years ago | Contributor

Unfortunately you really have no recourse as to the creditor writing off your debt that was discharged via a chapter 7 bankruptcy as a charge off because it was. Since you had your debt discharged in the bankruptcy, there really is not much you can do about the current situation that you are writing about. A bankruptcy filing stays on your record for 7 years.


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