On January 19th I had my debts discharged thru Chapter 7 bankruptcy.in March MRS BPO starting calling our home and demading full payment of a discharged debt. They had pulled our credit records in March and knew it was a debt that had been discharged but went ahead and proceded to contact us. I did try to explain to them that this debt is no longer mine but they refused to listen. I finally agreed to start making payments just so they would stop harrassing me as of Dec they have been paid $1300.
I recently pulled my credit report to find that they have been collecting all this money but never reported to the credit agency's. I have since stopped any future access to my account and sent a letter demanding the money back. Our laywer who represented us told me we would have to file a injunction on the debt but it would cost just as much to file. Similar to going thru bankruptcy again or we could take them to small claims court but again it would cost more money. Lesson learned when you file a bankruptcy it is not uncommon for collection agency's to start calling and harrassing you and in our case we payed them money instead of contacting the attorney who represented us. If we had and reported MRS BPO we wouldn't be out $1300. If you file bankruptcy and start recieving phone calls DO NOT HESITATE TO CALL THE ATTORNEY WHO REPRESENTED YOU!
And keep a record of all phone calls including the date, time and person calling you.
0 comments