Expert: Terry Leeders - 6/15/2007

Question
I filed BK7 (8/03) & DISCHARGED all medical debts & 5-recorded Federal & State Income Tax Liens. I disputed w/ the big 3 because they were reporting this negative info.  I sent a copy of DISCHARGE BK-7(8/03),   SCH. F (w/ tax liens included),. Fed. & State Tax Lien Releases (9/03), and brought it to their attention that all tax liens were more than 10 yrs.from date filed. TU & EQ removed all disputed items (including all Tax Liens) w/3wks.

EX would not!  They removed all medicial bills & collections & said that all Tax Liens  would remain unchanged until 2013 (10 yrs. from BK 7 DISCHARGE date) and the STATUS: Fed. Tax Lien PAID.  I paid  0 $’s & entered into no repayment agreements w/ the IRS.  They were all Discharged in BK.  I filed a complaint w/FCRA, & they told me that this was willfull noncompliance & gave me the tele. # of the American Bar Assoc. & said to be sure that I ask for attny fees.

How can a CRA discriminate which items on a SCH F are discharged and remove from my CR. & which will remain ?          This seems like a violation of BK fed. Law!      

Thank U.  

Answer
Hi John,

That is strange how 2 cleared it and the last one didn't.  It technically isn't a violation of the bankruptcy discharge unless the creditor is trying to collect $$ on the discharged debt.  You should contact an attorney in your area to determine if you have a cause of action.  Best of luck to you.