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Question
I was declared bankrupt in 1993. I was relieved of a credit card debt for a card that was issued by a private, member-owned company in Texas. The company also provides insurance to the members. The company is refusing my Ex-wife membership in the company based on the old debt for which she was a co-signor. 1) Is this legal? 2) If so, do you have any suggestions?
I would have to think that is perfectly legal. Even though the debt is rather remote in time, I am sure they can pick and choose members based on a litany of underwriting considerations, including a history for bankruptcy or not paying a previous debt.
Chris
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Answers by Expert:
Chris Ebert
Expertise
I can answer questions for Texas and California residents concerning issues that involve creditor and debtor rights. Specifically, I can answer questions concerning: FDCPA, FACTA, FCRA, and Texas / California state collections violations.
Experience
For the last 6 years I have worked as a Sr. Paralegal in a law firm (http://www.henleycreditlaw.com) that defends debtors against their creditors. I have reviewed thousands of credit reports and under the supervision of our attorney helped hundreds of client resolve their credit issues.
Organizations
Henley & Henley, PC
Education/Credentials
BBA University of Texas at Austin
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