debt collection after bankruptcy by: Debtcollectionanswers.com
Mike:
I am not exactly sure what your question is, but if the debt you are being asked to settle was not included in your bankruptcy (It would have to have been listed on your schedule of debts to be included.) then you owe it and will need to figure out what to do about it. Settlement may be a good option. Listen to our debt settlement podcast to find out more about settlement and how to negotiate a good settlement.
If the debt was included on your schedule of debts and you are still in bankruptcy, the credit card company should not be contacting you about it because of the automatic stay, which stops all efforts to collect on debts during a bankruptcy. Alternatively, if it was included on the schedule and you are out of bankruptcy, the credit card company should not be contacting you about the debt because your bankruptcy would have discharged the debt -- eliminated it -- which means that you no longer owe it. In either of these situations, you should let your bankruptcy attorney know what is happening so the attorney can handle it for you.
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