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  1. #1
    Join Date
    Feb 2012
    Posts
    2

    Default Being Sued by Discharged Debt

    My question involves bankruptcy in the state of: Ohio

    I filed bankruptcy BEFORE the law change took effect in 2005. I had a Private Student Loan through Bank One (sold to NCT) which should have been discharged since prior to the law change.

    I recently was sued by NCT for the loan and for interest. According to my Experian Credit report the loan was discharged but according to the other two it was not.

    I filed my answer denying the charge and listed bankruptcy but the First Set of Answers and Interrogatories came and I have about a week to file them.

    Do I need to reopen my case? Is it possible this was NOT discharged? I received a discharge notice of my debts in Feb 2006. What do I do?

    Thanks!
    Drew

  2. #2
    Join Date
    Sep 2010
    Posts
    19,901

    Default Re: Being Sued by Discharged Debt

    Credit reports do not define whether loans are discharged or not. Was the loan listed on your bankruptcy? A bankruptcy isn't an automatic do over for everything that happened before.

  3. #3
    Join Date
    Feb 2012
    Posts
    2

    Default Re: Being Sued by Discharged Debt

    To the best of my knowledge the loan was included in the discharge. I am looking it up next week.

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