Don't let creditors steal your fresh start! Reporting or attempting to collect discharged debts is illegal.
Fight back now with NCBLC!
NCBLC - National Consumer Bankruptcy Litigation Center
Don't wait! Call Us Today!
O. Max Gardner III
Business North
Carolina has named O. Max Gardner III one of the top bankruptcy lawyers in North Carolina for three consecutive years. He was also selected by Law & Politics and Charlotte Magazine as one of North Carolina's "Super Bankruptcy Lawyers" in 2006, and will be so named again in 2007.
Our Services
The National Consumer Bankruptcy Litigation Center was founded to protect the rights of people who have been granted a fresh start in bankruptcy, but see that fresh start threatened by creditors, collection agents and debt purchasing companies who are hoping to collect a little more money through pressure and deception.
The law regarding discharged debts is really very simple: you no longer owe them.
Unfortunately, unscrupulous creditors and other debt collectors use a variety of tactics to profit from discharged debts. These include:
- Original creditors selling debts that have been discharged to debt purchasing companies;
- Creditors, collection agents or debt purchasing companies continuing to report discharged debts as delinquent, or as open accounts, on your credit report;
- Third party collectors contacting you for payment, and telling you that because they're a different creditor, they're not covered by the bankruptcy discharge
There are many variations on these methods, but the bottom line is clear.
If a debt was discharged in bankruptcy:
- no one should be contacting you to collect that debt
- that debt should not be appearing as an outstanding debt on your credit report
If creditors or collection agents are calling you, or if your credit score is suffering because discharged accounts are still appearing on your credit report with something other than a zero balance, NCBLC may be able to help. Our mission is to stop unscrupulous creditors and collection agents from stealing the fresh start guaranteed by the U.S. Bankruptcy Code and to help consumers like you achieve the new financial beginnings that bankruptcy is intended to afford.
If discharged debts are appearing on your credit report, or if you've been contacted by a creditor attempting to collect on a discharged debt, fill out our free case evaluation form right now and find out how NCBLC may be able to help you fight back.