I filed in Southern District of FL Ch 7 pro se in May of 2005 and received my discharge Oct 2005. Creditors were notified by the bankruptcy court and I notified all credit bureaus. All creditors, with the exception of a local private college, have long ceased all credit attempts.
This lone creditor was on the certificate of service sent by the bankruptcy court. When I received the first collection letter after the discharge, I replied via regular mail disputing the debt including a copy of discharge. I sent a second letter when the next collection letter was received. The letters continued - last count Ive received at least a dozen.
Now a collection agency is sending letters and calling! I received their first letter last friday. I drafted a letter to the agency advising that I am notifying the court of the colleges actions. Today, before I could even mail the letter, I received a call from the agency. I advised them that I was sending them a letter and that they should contact me after reading.
I have done everything after my discharge by the book - use credit cards rarely, pay in full every month, havent incurred any additional debt, and, in doing so, hope to re-establish myself within two years. This company might ruin my all my efforts if I do not respond. So, while I have ignored their letters for the past months, I am not willing to allow them to continue with their game.
I am going to file a motion with the court to report their actions. Again, this will be pro se or, perhaps I should say, I will attempt to file the motion on my own. How do I proceed with filing the motion? Is this rather straight forward? I understand from my readings that trustees do not like these violations by the creditors. Would they be willing to assist me with the filing? Can you recommend any reading or case citations that will assist me with drafting the motion? Any and all assistance is greatly appreciated. Thanks in advance.