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  1. #1

    Default Bankruptcy Error

    My question involves bankruptcy in the state of: NC
    I filed Chapter 7 and it was dismissed in February 2006. I am now seeing on my credit report a Dental Office that has put a negative on my credit report for a 2004 claim. How can I find out if this was included in my bankruptcy and if it was no specific, then is it a valid legal claim and does it have merit to stay on my credit report?

  2. #2
    Join Date
    Sep 2005
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    Default Re: Bankruptcy Error

    You look at the documents you filed when you petitioned for bankruptcy, and see if you listed the dental office as a creditor. If not, was yours a zero assets bankruptcy?

  3. #3

    Default Re: Bankruptcy Error

    What happens if it wasn't included in the bankruptcy? Will I still be responsible for this debt?

  4. #4
    Join Date
    Sep 2005
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    98,846

    Default Re: Bankruptcy Error

    Was yours a zero assets bankruptcy?

  5. #5

    Default Re: Bankruptcy Error

    I have no clue! How do I find out?

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

    Default Re: Bankruptcy Error

    Ask your bankruptcy lawyer. The point being, if you had a zero assets bankruptcy an unlisted, dischargeable debt would still have been discharged by your final order. If not, the analysis is more complicated.

    You can also try disputing the debt, documenting your bankruptcy to the collection agency - that may be enough.

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