Legal Question in Credit and Debt Law in Ohio

Credit card account discharged, but collectors are still hounding...

My wife had a credit card that was discharged. Every once in a while, my wife will start getting calls from a lawyers office (twice so far and not the same one) stating that she has to pay the ''outstanding'' debt. My understanding is that ''discharged'' means that the debt was cancelled. I know that she has a black mark on her credit history for a few years as it shows on one of her credit reports along with the discharge. What can be done to stop anyone from calling her and making any further demands? After all, her credit is damaged for a number of years all ready. Does she have to go through not only this but also pay regardless of the discharge (which is pretty unlikely financially at this point)?

Anyhow, I appreciate any answer on this question.


Asked on 7/22/08, 1:39 pm

1 Answer from Attorneys
Frank Rozanc Frank J. Rozanc, Esq.

Re: Credit card account discharged, but collectors are still hounding...

She shoul;d send the collection agencies and attorney's offices a letter demanding that contacts cease, along with a copy of her bankruptcy discharge. These creditors are violating the law by continuing to contact her, and could be liable for damages. Make sure the debts that they are talking about were included in the bankruptcy, otherwise there is no violation, and the bankruptcy might have to be reopened and amended.

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Answered on 7/22/08, 6:21 pm


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