Legal Question in Bankruptcy in Alabama

Re: A charge off just reported my payment as delinquent and it was 7 yrs ago

You will need to dispute this in writing with the 3 credit reporting agencies (Equifax, Experian & TransUnion). It is very important to send the dispute letters via certified mail. You should receive a response back from the 3 credit reporting agencies within 30 days.

If you need an assistance in drafting the dispute letters, I would be happy to assist you.

Matt Dunaway

Re: A charge off just reported my payment as delinquent and it was 7 yrs ago

IF you discharged the debt to the mortgage company (which means you gave up your home and moved out) AND RECEIVED A DISCHARGE IN BANKRUPTCY, then IMMEDIATELY find your OLD BANKRUPTCY ATTORNEY.

Ask your attorney to (1)write a letter to the mortgage company telling them that they have violated the DISCHARGE ORDER in your bankruptcy case. IF the mortgage company does not remove the negative remaks, (2) file suit against them in BANKRUPTCY COURT.