What Do We Do Now?
I was wondering if you all would be so kind as to help me figure this mess out...A little background... on May 8th of this year My wife and I had our 341 meeting for a chapter 7. Everything went find, the trustee asked her questions and that was that. My attorney told us that it will be three months from then before we receive our discharge, which would make it august 8th give or take. When we were filling out our schedules we both made absolutely sure we listed every single one of our credit cards (because that's what all our debt was). Today in the mail we got a letter addressed to my wife (her maiden name no less) , It was dated July 16th, saying that she owes $2831.02 on a citibank card. One that WAS included in the petition. This letter was from NCO Financial, but when we filled out our paperwork this card, it was with a different collection agency (I can't remember the name) Here are my questions. 1.) is it possible for a collection agency to sell this debt to someone else while BK process is still going? 2.) Since I didn't include NCO Financial, but I did include the actual credit card, does this debt not fall into the BK? 3.) If they decide to give us a hard time do they have the right to? 4.) What should we do now? Please all, any help would be so incredubly appreciated, please put us at ease.... (or on edge) just let us know.
In my experience, NCO Financial Systems are absolute BASTARDS. Even after I'd paid an account in full that was in collections, THROUGH THEM, which the original creditor is showing as paid in full, they've since then attempted to collect the full amount ($535) AGAIN, four years after I paid the full balance... and they're STILL reporting it to all three CRAs as an unpaid bad debt, even though the account was included in bankruptcy. Worse yet, they've reaffirmed the debt to the CRAs even after I disputed it with all appropriate documentation. Most attorneys will send out "Cease and Desist" letters to such creditors. If they persist, they can be sued for violating the automatic stay.
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