My question involves bankruptcy in the state of: Arizona Community Property
My wife filed ch7 and included my debts also. In Arizona I as a spouse am also afforded discharge. HSBC has been reporting the debt as 30,60,90,120 days late then charge off. They are still reporting a balance. I Have dipsuted this for motnhs. Today HSBC told me they do no acknowledge community property laws. Are they allowed to do that? I thought that if the issued credit in the state of Arizona they are bound by the bankruptcy alws of Aronza.
Any help would be appreciated.

