How Do I Find Out if a Debt Collector is Trying to Collect a Debt Discharged in Bankruptcy?

Full question:

6 years ago Default Judgment On small balance credit card that A predator used without permission 6 years ago garnishment was started But immediately dismissed I do not know if it was due to the U.S. Independent Inspector General who had fined the attorneys for illegally discharging the predator's fraudulent debt and conspiring to repeatedly perpetuate the career of career criminal mastermind, talking about putting out a professional hit on me and a bullet projectile entered my toolbox on my small pickup 8 years ago as I was exiting my toolbox. Zombie debt collectors were trying to collect two debts legally discharged by the bankruptcy court order and found one was included in bankruptcy and I sent CSC Credit Services my bankruptcy file to show the other debt was also. The debt associated with the default judgment was included in the bankruptcy debt discharged six years ago. I don't know what is going on but today another debt collector called me, I told them I do not have any credit cards to refinance, and started to tell them about a slew of debt collectors trying to collect Zombie debt legally discharged in bankruptcy, and he got mad and told me that I do not know what is going on and he hung up. The first call was from some unknown probably third party attorney claiming that 'my' mobile home was personal property, so I played along and took the opposite real estate position even though the mobile home is definitely personal property with title in my spouse's name and I am co-signer only, then he proceeds to claim that he was going to take away 'my' mobile home and sell it, then hung up... I think he was calling from a Virginia airport phone. How do I find out if or what they are trying to do to collect this Default Judgment consisting of Zombie Debt legally discharged in bankruptcy... the U.S. Independent Inspector General fined the attorneys in 2007.

• Category: Debts and Credit
• Date: 04/07/2025
• State: Oklahoma

Answer:

A judgment creditor may enforce an unpaid judgment by requesting a lien be placed on the defendant’s assets. We suggest calling the clerk of courts where the judgment was issued to see if their docket shows any further action taken against you. You may also call the county recorder’s office where any real property you own is located. It is recommended to get a copy of your credit report every year to verify its accuracy.

Upon request, a credit bureau must tell a consumer the names and addresses of persons to whom it has made a credit report on that consumer during the previous six months. It also must tell, when requested, what employers were given such a report during the previous two years.

Some information obtained by credit reporting bureaus is based on statements made by persons, such as neighbors who were interviewed by the bureau's investigator. Needless to say, these statements are not always correct and are sometimes the result of gossip. In any event, such statements may go on the records of the bureau without further verification and may be furnished to a client of the bureau who will regard the statements as accurate. A person has the limited right to request an agency to disclose the nature and substance of the information possessed by the bureau to see if the information is accurate. If the person claims that the information of the bureau is erroneous, the bureau must take steps within a reasonable time to determine the accuracy of the disputed items. If no correction is made, the debtor can write a 100-word statement of clarification which will be included in future credit reports, even it the agency disagrees with clarification.

The Fair Credit Reporting Act (FCRA) requires that a credit reporting agency follow reasonable procedures to assure accuracy of the information it gathers. Adverse information obtained by investigation cannot be given to a client after three months unless it is verified to determine that it is still valid.

Credit reporting bureaus are not permitted to disclose information to persons not having a legitimate use for this information. It is a federal crime to obtain or to furnish a credit report for an improper purpose. Under the FCRA, agencies can only disclose information to the following: 1) a debtor who asks for his own report; 2) a creditor who has the debtor’s signed application for credit; 3) a potential employer; and 4) a court pursuant to a subpoena.

Agencies are also limited as to what can be disclosed. For example, no disclosure may be made of bankruptcies that occurred more than 10 years ago or lawsuits finalized more than 7 years ago. There can be no disclosure of criminal convictions and arrests that have been disposed of more than 7 years ago.