We had filed bankruptcy and included my providian account, the lawyer sent out freeze account papers to all of our accounts including providian (freeze accounts means just that: no activity allowed on the account until the bankruptcy is cleared) and then the bankrupsty was approved, so that was all i thought, until i checked my credit report, it said i had a account with providian AND a account with EMERGE mastercard (wich i had never heard of) wich was not included in the bankruptcy and charged off due to non payment.
It turns out that 3-4 months AFTER providian was supposed to freeze the account, they sold it to EMERGE, wich is 100% illegal so now i have two accounts worth over 7,000. Oo that are delinquent on my report even though i only had the one providian one worth 1700.00, the main problem is PROVIDIAN SOLD A FROZEN ACCOUNT AS ACTIVE TO EMERGE, without telling anyone, not even a notice to me, so for a year it was building late charges, what do i need to do?
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