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Looks like 2 choices here..they made a mistake and listed the wrong account OR they have more faith that they CAN and will repo it than you do...LOL

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โˆ™ 2015-07-14 16:07:30
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Q: Can a creditor list your car as repossessed on your credit even if they have not repossessed it yet?
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Do you have to list all credit cards when filing for bankruptcy even one with a 0 balance?

Yes, you have to list EVERY creditor that you have an account with, even those that you are current with or have no balance due. You can run the risk of getting in trouble with the bankruptcy court if you don't.

What can you do if a credit card was not listed in your bankruptcy but was on your credit report and credit card co did a review for credit line increase and saw the bankruptcy and notated the account?

That depends on HOW they notated the account. If they marked it as 'included in bankruptcy', even if you did not list them on your creditor matrix, you probably will not succeed in disputing it, but you can try.

If a car is repossessed and you agree to make some kind of payments ever month will they still list it on your credit as a repo?

Yes but it will also list that you are making payments!

What you do if you cannot locate a creditor?

That depends on what you mean by "can't find or locate a creditor". If you get a copy of each of your credit reports, they will list the contact information for each of the creditors that are reporting any type of information about you on your credit report. if you cannot get a response from the creditor after locating their contact information on your credit report, then you may want to "dispute" the information with the credit bureau that is reporting the information. Simply write a letter to the credit bureau stating that the information being reported on XYZ account is not accurate. Please remove this information from my credit file. The bureau will contact the reporting creditor...if the creditor does not respond within a timely fashion, the information will be removed from your credit file.

Will a closed credit card account receive notice of a bankruptcy filing?

Only those creditors you list on your bankruptcy schedules / creditor matrix (list) will receive actual notice.

Will an unpaid charge off eventually be waived?

A charge off is an account that the creditor has decided not to collect on. When they are listed as a charge off, that does not mean anything to you except a ding on your credit report. You are still obligated to pay the debt. What usually happens is a third party debt collection agency will make arraingments with the original creditor to come after you. This can be a double dip on your credit report because the original creditor might list it and the debt collector might list it also.

Will your discharge papers list all the creditor that was discharge?

Yes your papers will list all the creditor that was discharged. I did some research and found out myself.

Where may an individual find information about repossessed houses for sale?

There are many websites that list repossessed houses for sale. HouseRepos and BankForclosureSales are two examples. Another option is to contact a local Realtor who can provide you a list of local repossessed homes free of charge.

Car repo in 1999 agreed to pay 70 percent of the amount owed creditor wants to list on credit as paid repo what should you insist they list it as?

Paid repossession would be the best option. This, even though it is a negative mark, is less so due to the satisfaction of the debt. Count yourself fortunate, as the lender could list it as paid-settlement, which would be less positive.

Where can one find a list of repossessed cars for sale?

A person can find a list of repossessed cars that are for sale in several different places. Some of these places include GOV-Auctions, Auto Bidmaster, and Pickles Auctions.

After a filing can you use a credit card for an emergency purpose and not be in trouble help?

You should stop using credit cards before you file or you will have to pay all of the debt you incurred after you filed. When you file you have to list the debt and the company. If you keep using it you maybe challenged by the creditor.

If a creditor wants you to fill out a list of references is he likely to extend credit to you or is this just procedure?

Creditors grant credit to those people who are likely to repay them. They gather all kinds of information during the risk assessment process. Much of it is to be used in case of default.

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