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  1. #1
    Join Date
    Mar 2008
    Posts
    2

    Default Collection After Chapter 7 Bankruptcy

    Sept 06 I received my CH7 discharge. Prior to my BK, I had charged a fee on my credit card for a website service that would be billed monthly. My credit card was included in the BK, but the company that I was paying with the credit card was not. After the credit card was closed, the company could no longer bill the monthly charge. They sent me a few emails that they would send my debt to a collection agency and it would be reported on my credit report. I didn't take any action and never heard from them again. Nothing ever showed on my credit report either. Yesterday I received a call from a collection agency stating they had some business with me. I called them back to get the details and they were collecting on this debt I never payed.

    I have no problem paying this debt ($20), but I don't want it for some reason to show up on my credit report now.

    Also, what seemed a bit wierd to me was that the collection agency told me to make the check out to the company I originally owed "VMC Satelite" and not them "Butler, Robbins & White"

    Is this normal?
    Should I pay this? Ask for more info?

    Thanks for any advice you can give!

    AM

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

    Default Re: Collection After Chapter 7 Bankruptcy

    Is it on your credit report or not? We can't check that for you. If it is and you want it off, you need to get an agreement that they will remove the entry if you pay ("pay for delete"), and you should get the agreement confirmed in writing.

  3. #3
    Join Date
    Mar 2008
    Posts
    2

    Default Re: Collection After Chapter 7 Bankruptcy

    This is currently not on my credit report. As I stated in my original post.

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