Hello. I was discharged from chapter 7 bankruptcy, in 2007. I have recently learned of a judgment against me, after reviewing my credit report earlier this year. The judgment is for money that was stolen from me via check fraud involving a roommate. I reported the stolen checks, as soon as I learned of them.
This creditor (TCF Bank) was listed on my creditor list, but for my mortgage debt. The account that was used fraudulently was the account from which my mortgage payments were automatically deducted.
I was under the impression that the money would be returned to me, since it was ID theft, and since I had reported it as soon as I had discovered it. I spoke with my bankruptcy lawyer, and he said to send a copy of the discharge to the bank. But how do I deal with the existing judgment? Do I need to reopen my bankruptcy? And do I need to sue the bank for the money, since it was supposed to be returned? My main concern is getting rid of the judgment, but I would like to pursue the money, if I am legally entitled to it. I am concerned that this may affect my employment opportunities.