My Chapter 7 filing was discharged in 1991. A collection agency is now trying to collect on credit card debt from that filing (plus $11,000 in accrued interest charges). Can they do this? They say they have no record of bankruptcy being filed, and continue to call and write. The lawyer who hanlded my bankruptcy is no longer in the area
A: Debt that was incurred before you filed Chapter 7 and got a discharge is not enforceable now. The only exceptions might involve a creditor who did not get notice of the case. If the creditor who held the debt got notice back when you filed, then anyone to whom they subsequently sold the debt is bound by the discharge as well.In some circuits, creditors who did not get notice are not discharged; in other circuits, if it is a no asset case, even creditors without notice are discharged.This pattern of selling off old, apparently uncollectible debt is fairly common and all too frequently the original creditor did not make a note of the bankruptcy.The creditor who is calling you is violating the discharge injuction if this debt was discharged and may be liable for damages. Consider too whther...