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  1. #1
    Join Date
    Jan 2007
    Posts
    4

    Default Collection by Forgotten Creditor After Chapter 7 Discharge

    I filled chapter 7 in California in 1997 and was discharged the same year, i forgot to list one creditor and now almost 10 years latter they are trying to collect. What can i do!!!!!!!

  2. #2
    Join Date
    Mar 2005
    Location
    Michigan
    Posts
    28,906

    Default Re: Collectin by Forgotten Creditor After Chapter 7 Discharge

    What's the nature of the debt? Most debts would be uncollectable after this much time simply by virtue of the statute of limitations.

  3. #3
    Join Date
    Jan 2007
    Posts
    4

    Default Re: Collectin by Forgotten Creditor After Chapter 7 Discharge

    It was an old jelwery store that is no longer in business

  4. #4
    Join Date
    Mar 2005
    Location
    Michigan
    Posts
    28,906

    Default Re: Collectin by Forgotten Creditor After Chapter 7 Discharge

    This is over your purchase of jewelry on an installment contract... how many years ago? Did they ever get a judgment against you in court and, if so, when? Is the current collection effort actually by them (which would be odd if they're out of business) or by a collection firm which has purchased their old accounts? All transactions occurred in California?

  5. #5
    Join Date
    Jan 2007
    Posts
    4

    Default Re: Collection by Forgotten Creditor After Chapter 7 Discharge

    It was a payment installment contract that took place around 1988. It is not being collected by them it sounds like a collection firm that purchased their old accounts. Yes in california.

  6. #6
    Join Date
    Mar 2005
    Location
    Michigan
    Posts
    28,906

    Default Re: Collection by Forgotten Creditor After Chapter 7 Discharge

    Consider sending them something along the lines of the sample letter from this thread. The limitations period was probably four years.

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