My question involves bankruptcy in the state of: Michigan
I recently received a collection letter from NCO Financial Systems Inc. regarding an account with Consumers Energy. I called to get information and was told that the bill was related to a property which I surrendered to the Trustee during my Chapter 7 BK. They told me to call Consumers Energy, so I did.
The specific gas account in question was actually listed on the court documents to be discharged. When I explained this, the person in the BK department at Consumers said that they simply create a new bill after the BK and continue to bill for gas. I explained that I no longer owned the property after my discharge and that the account was also discharged in BK, but the person was not helpful and did not want to answer any questions. She even refused to provide an address to which I could sent legal documents and would not transfer me to a supervisor. She claimed that they were not notified that I wanted the service to be removed from my name. I don't recall the service actually being in my name, as the property was a rental and I never received a bill until recently. And even if I did have the service in my name, how can they claim that I wanted to keep the service when they received BK documents from the court and the house was no longer in my name?
I am very interested in pursuing this matter in court, if necessary, and I want to know what my options are. I can't afford to hire a lawyer, but am willing to take whatever steps are necessary in order to stop collections. On that note, I have two questions: Should I send a cease and desist letter? Is there a legal remedy available, such as going to court to have a judge settle the matter?

