Comments on: Your Credit Report After Bankruptcy

By: Bankruptcy Basics: After Your Case Is Over–Who Will Buy Your Discharged Debt And Why?

Sat, 23 Jan 2010 05:13:52 +0000

[...] XYZ should NEVER have sent you a bill. The original creditor should NEVER have sold or transferred your discharged debt for collection by that company. Why would XYZ agree to try to collect debt that has definitely been discharged in bankruptcy? Money. It is always about the money. Discharge Debt Buyers/Debt Collectors have paid pennies on the dollar. Any money they collect is pure profit. And, sometimes, XYZ gets folks to pay. These debt collectors/buyers are among the worst to deal with–they threaten garnishment, arrest, to take bank accounts, to call your parents—anything that will get folks to pay. And a few folks will pay. Folks who haven’t been given good advice. Folks who are scared of another debt collection company showing up on their credit report. For more information on this issue, see Jay Fleischman’s report on credit reports after bankruptcy. [...]

By: Filing For Bankruptcy Can Help My Credit Score? at Bankruptcy Law Network - Real Lawyers, Real Solutions

Sun, 08 Jul 2007 18:37:34 +0000

[...] To read more about the subject consider the following articles by other BLN contributors:� “Your Credit Report After Bankruptcy” by BLN member Jay Fleischman, “Disputing Credit Reports” by BLN member Nicholas Ortiz and “Can I Legally Clear Bad Debts From My Credit Report?” by Brett Weiss. [...]

By: How Can I Rebuild My Credit After Bankruptcy? at Bankruptcy Law Network - Real Lawyers, Real Solutions

Tue, 29 May 2007 21:43:24 +0000

[...] The first thing to do is pull your credit report. This BLN article by Eugene S. Melchionne shows you how to pull your own credit report, and this BLN article Jay Fleischman teaches you what to do about inaccuracies on your report. Reviewing your credit report and disputing inaccuracies can help increase your credit score. [...]

By: Applying for a Car Loan after Bankruptcy at Bankruptcy Law Network - Real Lawyers, Real Solutions

Tue, 13 Mar 2007 02:49:42 +0000

[...] Is there anything you can be doing following the issuance of your bankrutpcy discharge to insure that you maximize your credit recovery opportunities, and to make sure that you qualify for the best possible interest rates on car loans and other major financings?� Absolutely.� Please read this post by Jay S. Fleischman.� Jay suggests that you be vigilant with regard to your credit reports following your bankruptcy.� Make sure that no old, pre-petition debts are continuing to be listed on your credit reports.� If there are older debts appearing on the report, the report should indicate either that the debt was “charged off” or that a “zero balance” is due and owing.� Furthermore, a debt can only be identified as “charged off” in the event that the actual charge off occurred prior to the bankruptcy filing.� [...]