Get all 3 of your credit reports (www.annualcreditreports.com), fill out the form online to have them verify the information. Someone got a SSN wrong, probably.
You do not have to necessarily get credit counseling before you can file for bankruptcy.
If there is a bankruptcy filing showing on your credit report and you did not actual file, you should dispute that information with the three credit bureaus. They will then investigate and remove the information if it is inaccurate.
No they never did file for bankruptcy
The fact that you have a repossession on your credit report is not a determining factor of whether your can file for bankruptcy. Generally in bankruptcy you can remove the debts from the repossession of your vehicle.
The bankruptcy will appear on their credit if you include this card in your bankruptcy. If you leave the card off the bankruptcy, it will not effect their credit.
Thier actions, or lack, do not effect your ability to file for bankruptcy.
You have to, it is a debt...it is just a secured debt...by the lien on the property.
Filing bankruptcy does not remove a charge off report from a credit card on your credit report. It just adds bankruptcy to your credit report.
File for bankruptcy and then try and start over. Your credit will be messed up though.
check Federal Bankruptcy act 801.3
Yes.
Yes!