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Hello.  The only way that a creditor can continue to try and collect a debt from someone else even after a bankruptcy was filed and discharged is whether or not there were co-signers involved.  For example, if there was a loan obtained for a car and you had to get a co-signer for that loan, they have the right to try to collect that debt from the co-signer even though you filed for bankruptcy and placed that car loan on your bankruptcy. The bankruptcy only represents you and not the co-signer.  If that is not the case or scenario, and the account in which they are trying to collect was your debt and yours alone and they are still trying to collect even though you put them down on your bankruptcy and your bankruptcy has been discharged they are in violation of the bankruptcy laws, you can file a lawsuit against them.  First, you need to get as much information from them as possible:  Who's calling, the company's telephone number, and the amount of the debt.  Don't assume you already know this, as they could possibly have their records wrong.  Once you have that info, pull out your bankruptcy records and your official discharge letter, as you will need this to show proof that they have no right to collect this debt.  Then you will need to contact the lawyer who handled your bankruptcy as he/she will be able to advise you on what you need to do from there on.  I hope this information helps and I wish you the best of luck with getting this resolved.  By the way... I know about situations like this because it happened to me also.  Take care.

Posted 1 year ago
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