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Your credit report is irrelvent. Certainly many debts are not on one. If you owe the debt, report it.

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โˆ™ 2009-02-04 19:44:01
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Q: When filing bankruptcy what do you do with creditors that 'drop off' your credit reports before you file?
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Do creditors list a charge-off on credit reports as of the bankruptcy filing date or as of the discharge date?

Creditors list the charge off date as the date the bankrupcty was filed


When you file chapter 7 bankruptcy do they check your credit reports?

yes, it will remain on your credit reports for 7 years


How do you get addresses for credit cards for bankruptcy?

Get a copy of all three credit reports. The addresses and/or phone numbers of all your creditors should be listed on the report. You should also include the addresses listed on your statements so that in case your credit report has an error your creditor will still get notice of your bankruptcy.


Do you have to get credit counseling before you can file for bankruptcy?

You do not have to necessarily get credit counseling before you can file for bankruptcy.


If you get married how will your credit reports and bankruptcy affect your future spouse's perfect credit?

Your credit follows you individually. If you have joint accounts then they appear on both of your credit reports.


Can you but a car before filing bankruptcy?

Sure if you can find someone who will give you credit. If you pay cash the judge might make you sell it during bankruptcy to satisfy other unpaid creditors.


Can you leave out credit card debts when filing bankruptcy?

no, all creditors must be listed.


How does bankruptcy hurt credit?

Bankruptcy hurts credit because it creates a negative reputation for someone. It shows creditors that someone is not able to pay off their debts. It can hurt credit for about 10 years.


Will filing a bankruptcy remove a judgment on credit report?

No, a BK does NOT remove negative items in credit reports.


When a creditor is paid-off through a Chapter 13 Bankruptcy is the creditors information automatically removed from your credit history?

No. Sometimes it will be reported as "Included in Bankruptcy"


What does an attorney dealing with creditors' and debtors' rights do?

Attorneys deal with consumer credit regulation, including attachments, garnishments, assignments for the benefit of creditors, judgments, and bankruptcy.


After seven years can your chapter thirteen bankruptcy be seen on your credit report by creditors?

Yes. For at least 10 years.


How many years is bankruptcy?

In the US, a bankruptcy will remain on your credit history for seven years, minimum. Creditors may seek to re-add the BK information on your credit report, even after the seven years.


Are accounts after bankruptcy included in bankruptcy?

Any debt that you accumulate before your bankruptcy filing and have listed on your petition will be eliminated when you receive your discharge as long as your creditors do not file an injunction against you. After you receive your discharge you are welcome and able to open new credit accounts but any debt you accumulate will not be considered a part of the bankruptcy you filed before opening the account.


Will your credit rating be affected by your partner filing bankruptcy?

If your partner files for bankruptcy and you don't then the bankruptcy will not appear on your credit report. But you will be partly responsible for before bankruptcy filing. Generally filing bankruptcy will affect the credit rating of the individual who filed it.


Can you have a catalog account after you are discharged from bankruptcy?

Yes, after bankruptcy your debt (that which was listed in the bankruptcy) is eliminated. It may, however, take some time to restore your credit rating to the point where creditors will take a risk on you.


If someone filed Chapter 7 Bankruptcy and wanted to repay some of the debts listed in full would that bring their credit with those creditors into good standing on their credit report?

No-the accounts have been discharged in bankruptcy.


What does the voluntary dismissal of a chapter 13 bankruptcy mean for the debtor and creditors and the debtor's credit report?

When any bankruptcy action is dismissed for any reason the debtor(s) lose(s) bankruptcy protection. This means creditors may pursue collection of the debt, including, in most situations filing a lawsuit. A chapter 13 bankruptcy dismissal will remain on the debtor's credit report for 7 years.


How long after a bankruptcy can you apply for credit?

Do not worry about applying for credit after bankruptcy. The applications will come to you before the ink on the court documents has dried.


Will you get rid of credit card debt with bankruptcy?

No. If you file bankruptcy, you are basically telling the creditors that you don't have any funds to pay them. Your finances are being held by the court and the lawyers will tell the creditors that you filed bankruptcy. You are still responsible for the debt. WRONG! If you file bankruptcy and file a chapter 7, if the judge approves your appeal all your credit card debts are erased, and creditors have to stop calling and harassing you. If you file a chapter 13, you are still responsible for a certain portion of your debt, to be paid over a 5 year period, and creditors have to stop calling and harassing you.


Does bankruptcy eradicate credit card debt?

NO... the debt remains on file with the creditor. If you apply for credit at a later date (after the bankruptcy has been resolved) - your history will still be available to anyone who does a credit search on your name. Creditors can still come after you for their money if you re-start a credit account.


How long after filing chapter 7 bankruptcy comes off of your credit reports?

10 yrs. after its dismissed.


How do you challenge the reports if you have bad credit?

send letter to the credit reporting agencies . they will have to send letter to the creditors who will have 30 days to respond. if they dont the debt has to be removed from your credit record.


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.


Can your creditors change credit report entries from Bankruptcy to Charged Off or Collection after discharge?

No. All entries have to be marked "included in bankruptcy". Obviously that only applies if they were actually included.