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| Hello everyone. Unfortunately, I had to file for Chapt. 7 BK recently and had a question regarding bank accounts. I know that I am not allowed to have money in my bank account before I file for BK ... |
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Please only serious honest answers.
My husband recently joined the army and we need to get out of debt or atleast make good on what we owe others. Peace of mind and its the right thing to do. W... |
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| Which way should I go bankruptcy or reposession? |
| Due to the economy I am no longer able to afford my mobile home note. We have made the decision to move in with my mother to consolidate living expenses in a traditional house that is already paid ... |
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| L.A. Fitness will not stop debiting my account even though I cancelled my membership.? |
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kc | Does anyone know how to remove debt covered in bankruptcy from a credit report? |
After I filed bankruptcy, an woman I used to work with told me she went to a seminar about rebuilding credit after bankruptcy.
She was told you should hire a lawyer to clear off all the debt that bankruptcy cancelled, from your credit record.
Every site I've checked says it can't be done.
Has anyone done this, and if so, how did you do it? |
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fhockey1
|
YES YOU CAN DO IT!!. I work for a bankruptcy attorney. I myself even have gone through bankruptcy back in 2005. You send all three credit report agencies a copy of your discharge along with a copy of your creditor matrix. At that point they will remove those debts from your credit report. They will then send you an updated credit report. It may take a few times to get it all removed. However, your credit report will state that you had filed bankruptcy and it states that way up to 7 years. |
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David
 |
EDIT: It takes seven years for a bankruptcy to clear your credit report. After those seven years it depends on what kind of debt it it is. If it is student loans, the only thing that will relieve you of that debt will be death... |
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jcleann13
 |
and you are right it cant be done---checkout this book called Total money makeover by Dave Ramsey |
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anonymous
 |
you can't do it. it stays on your record for a minimum of seven years. it's bankruptcy - you are getting out of money you borrowed. it will haunt you for years, but you can build up your credit again, but you will pay for it financially with the horrible rates and limited resources. but have hope -you can get through it. |
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sswan007
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I am not sure where you are writing from but in Canada -- the bankruptcy report stays on your credit for 7 years then it is removable... you just write or email the equifax company and they will look up the information on file for you and if it has been the 7 years they remove this from the credit report... no lawyer can remove it before then.
you can rebuild your credit up again by applying for credit cards or a small bank loan about 12 to 18 months after filing bankruptcy... lots of credit card people still wont issue you a card even after 2 years and some 3 years in Canada ... some banks will take a chance on you again ... especially if it is your bank that you have been dealing with for years... hope this helps you out... |
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Jen
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The actual debt's cannot be taken off your credit report, however it will show up that is was included in your bankruptcy.The actual bankruptcy itself will remain on your report for 7- 10 years(usually it is 10 now).
Now, if you mean the debt is showing up on your credit report still as unpaid and uncollected upon even though it is contained in your bankruptcy, you have to send a copy of your bankruptcy papers to the company that is saying it is unpaid as well as a letter and copy of the papers to all 3 credit bureau's. It still will not be removed, but the notes will be placed in your report and on file.
hope that helps. |
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Caffiend
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The way my lawyer explained it was; you can't remove those debts from your report, but you can have the credit report read INCLUDED IN BANKRUPTCY. That way they don't count against you twice. The bankruptcy is the big thing, it is going to be out there for 10 years. The old credit cards and other debts should start falling off in about 7 years. Any new credit you are able to reestablish will be there as well. The goal is to make sure you don't have any unpaid debt not listed as part of the bankruptcy. That way eventually you end up with some clean credit. Check your credit report on a regular basis, to make sure that the companies are reporting properly. File a dispute with each agency for any debt not listed as INCLUDED IN BANKRUPTCY |
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benk770
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Yes, It can be done...any negative or deragatory item listed on your credit rreport can be removed. The usual fee is $55 per item per report. It takes some time, however it's well worth it. The Attorney has certain forms for you to fill out and you will see how easy this can be done, |
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harajuku
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if it can't be done then don't do it you don't want to file for bankruptcy again. |
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