FACTS: mortgage for investment property discharged as part of ch7 bankruptcy proceedings in 2010. Up until the present time, the loan servicer has aggresively attempted to collect the balance, and has continually reported the discharged debt to credit agencies - causing my credit score to plummet, significantly reducing my ability to obtain loans and disregarding the discharged status of my debt.
QUESTION: From what small amount I know on the topic, this is a clear violation of the fair debt collection practices act, but I am also curious as to whether this violates any New Jersey laws. Any ideas?

