Recently getting calls from mcm from 1600.00 debt that was included in chapter 7 bankruptcy 3.5 years ago. The agent states that chapter 13 is the type of bankruptcy that that you can discharge this debt and that I should start paying on this debt or face "severe penalties". Fortunatly I know better, Basicly he thinks I'm stupid.in the past three weeks I have sent 2 letters with copies of the discharge, 1 of them certified.
However, wih the countless phone calls from this agent (we'll call him Alex),
He has spoken wth my husband, and my husband is the kind of person that can never say anything to upset anyone, he basicly says uh huh to what anyone says just so they know he understands them.
My husband clearly disagrees with me being liable for this debt because of bankruptcy. He said he was just letting him rant. I guess Alex thought that my husband agreed to pay this debt now even with the bankrupcy because of his manner. So today was the first time I actually spoke with Alex and he says (because of my husband's uh huhs apparantly)
I have reaffirmed this debt regardless of the bankruptcy absolving me from this debt.
I hung up on him immediatly and left a message with the bankruptcy attorney
we used in 2004.
However my husband will still talk to him probally and I am worried that it will hurt me, I myself will not speak with Alex again and I am not quite sure but I don't think my husband can reaffim my debt by speaking with Alex can he?
Please dont hesitate to respond
Thanks, A.M.
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