Once a bankruptcy court discharges a debt, no creditor or collector may treat it as collectible — including reporting it as an active collection. If that's happening on your report, federal law may entitle you to sue.
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When your bankruptcy discharge is entered, it legally voids your personal liability on covered debts. Creditors who sell those debts to collection agencies after discharge are handing off accounts that the collectors have no right to collect — or to report as active collections.
Despite this, debt buyers regularly report discharged debts as open, outstanding, and past due. Some do so knowingly. Others fail to check whether accounts they purchased were subject to a bankruptcy discharge before adding them to your credit file.
The FCRA requires that all furnishers — including debt collectors — report accurate information. A collection account on a discharged debt is inaccurate by definition. After a proper dispute, a bureau's failure to remove it is a separate violation that can support a federal lawsuit.
A debt buyer is reporting the discharged debt as an open, active collection — as if you still owe money on it.
The collection account shows a dollar amount due. Any balance on a legally eliminated debt is factually inaccurate.
The discharged debt was sold more than once and multiple collectors are reporting it as active — multiplying the damage.
The collection account's open date is after your discharge date, meaning it was opened in violation of your discharge injunction.
You sent documentation of your discharge and the bureau or collector still refused to correct or delete the account.
The account keeps accumulating late payment notations after your discharge date, extending the harm month after month.
From your first submission to resolution — here is what to expect.
Tell us what happened. We review your discharge paperwork and credit reports at no cost.
We send a strategically crafted dispute letter to preserve your legal rights and set up litigation if needed.
If the bureau or furnisher fails to correct the error, we file your FCRA claim in federal court.
FCRA cases are handled on contingency. Attorneys’ fees are typically paid by the defendant.
Tell us what happened. We review every submission within one business day.
Tell us what happened. We respond within one business day.
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A licensed attorney from Haseeb Legal PLLC will be in touch shortly.