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Can you sue a collection agency who continues to report a debt as a debt in collection even though it was discharged in chapter 7 four years ago?
Wiki User
∙ 18y ago
First, make sure you have documented proof that shows the account was discharged. If you haven't filed a dispute. You should then report them under the Fair Debt Collection Act for unfair reporting. If, after that, they still report and account and you can prove otherwise, you should look into an attorney who can file suit for you. Rest assured they'll have five lawyers for every one you find.
Wiki User
∙ 18y ago
Yes, you may have grounds to sue the collection agency for violating the Fair Credit Reporting Act if they are reporting a debt that was discharged in a Chapter 7 bankruptcy. You should seek advice from a consumer rights attorney to explore your legal options and potentially take action against the collection agency.
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Can a collection agency attempt to collect a debt that was settled by another collection agency as 'not valid' a year prior?
Yes, a collection agency can attempt to collect a debt that was settled by another agency if they believe the debt is valid. However, if the previous agency settled it as 'not valid,' you may dispute the debt with the new agency and provide them with documentation supporting the previous resolution.
Is it legal for a debt collection agency to discuss your debt with your landlord?
In general, debt collection agencies are required to follow the Fair Debt Collection Practices Act, which prohibits them from discussing your debt with third parties, such as your landlord, without your permission. If a debt collection agency is sharing information about your debt with your landlord without your authorization, they may be violating the law.
Can a collection agency file a judgment on you for credit card debt in Texas?
Yes, a collection agency can file a judgment against you for credit card debt in Texas if you fail to repay the debt. This could result in wage garnishment or liens on your property. It's important to address the debt or negotiate a repayment plan to avoid legal action.
Can a lawyer turn over an unpaid bill to a collection agency?
Yes, a lawyer may choose to turn over an unpaid bill to a collection agency as a means to recover the debt. However, they must comply with applicable laws and regulations governing debt collection practices.
Can you make a payment plan with a debt collection agency for a medical bill in NY?
Yes, you can negotiate a payment plan with a debt collection agency for a medical bill in NY. Contact the agency to discuss your financial situation and propose a payment arrangement that works for you. Make sure to get the agreement in writing and stick to the payment plan to avoid any further collection actions.
Can a collection agency try to collect a debt that has been discharged under chapter 7?
No, that's harrassment.
Is it legal for a collection agency to purchase an account that has been discharged in Chapter 7 and report it as a charged off account?
As a general rule, "No". You need to be certain that the debt was actually discharged in the bankruptcy. If so, you should contact the attorney that handled the BK and have them forward the necessary information to the collection agency. Or you can send the documents yourself (COPIES of the discharge, etc.) and send them by registered mail to the agency.
Can a collection Agency collect a debt after a chapter 7 in Tennessee if it was accidentally omitted?
Any debt that was omitted from the Chapter 7 can be collected after the discharge of the bankruptcy. If the bankruptcy has not been discharged, you may sitll be able to add it to the list of debts. If however the stay has been lifted (the bankrutcy is discharged) then there is no protections and you are vulnerable.
What is collection agency?
A Commercial Collection Agency is and agency that collects debt on behalf of their clients, same as a consumer collection agency, but a commercial collection agency collects business to business.
What would be a good offer to a collection agency for a 9000 dollar debt?
File Chapter 7-Offer is Zero!
You were an authorized user on your mothers account not a card holder and after her bankruptcy a collection agency is harassing you?
If you are an authorized user then it is not your debt but your mother's debt. Your mother's bankruptcy discharged (wiped out) the debt in question. The collection agency is not allowed to collect from you as, again, it is not your debt. This would not be the case if you were a joint debtor with your mother.
Mortgage lates after filing chapter 7 Can a mortgage company report lates after filing of a chapter 7 and before a discharge?
Yes. That reporting to a credit agency of an item of fact, is not an attempt to collect the debt. Your not expecting you mortgage debt to be discharged are you?
How are work commercial collection agency?
The commercial collection agency is used in debt collection in the event a debtor fails to.
I have a medical bill for 168.00 that was sent to a collection agency after I made a payment. They are going to keep in the collection agency until my bill is paid off. This can not be right.?
If the bill was late enough to be sent to a collection agency, the collection of that bill has been turned over to that collection agency as well.
How long will it be until unsecured creditors contact you after your chapter 13 is dismissed?
There is no definite answer as creditors establish their individual collection procedures, it might also depend upon whether it is the original creditor or a collection agency.
What is commercial collection agency?
A Commercial Collection Agency is and agency that collects debt on behalf of their clients, same as a consumer collection agency, but a commercial collection agency collects business to business.
When was Norwegian National Collection Agency created?
Norwegian National Collection Agency was created in 1990.
