I filed for bankruptcy in april. I filed a chapter 7 which is supposed to be a clean slate process. According to my Credit report everyone charged off my accounts then. No one showed for the creditors meeting. I continued to pay on the car for 4 months.
Not once was I given credit for the payment. NO statements were sent to me after april and my bankruptcy was discharged in August. I stopped making payments because the bank had charged off the account and I saw in my credit report that the loan was included in the bankruptcy.
Now I have received a certified letter demanding payment or face reposession. I have not talked to anyone at the bank, but they have contacted me via phone and now mail which is a violation of the bankruptcy laws for non contact of debtor. I intend to file with the Attorney General and anyone else who will listen. This bank has to be reminded that the law is the law.
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