StacyNeedsHelp

What can I do, Equifax and Experian Have one of our accounts showing as included in Chapter 13 debt repayment and both keep verifying it and say that it correct when we have never filed Chapter 13 and we actually filed Chapter 7??

Thank you.

Hello. We filed Bankruptcy in June of 08. We turned one of our vehicles in September and we were discharged in Aug 08. On Experian They are reporting that it is discharged threw chapter 7/repossessed I disputed but they are coming back verified. Are they a loud to be reporting it like that? Saying it was repossessed in my eye is reporting a negative trade line after bankruptcy which would be not a loud. If it isnt a loud what can I do??

I disputed a listing that shows the vehicle that we gave up in our bankruptcy as repossessed (it clearly shows that it is included in Bankruptcy 7 in June 08 yet after that it shows reposession July 08). They came back and said it was verified are they a loud to do that, its not technically repossessed when you turn in it in bankruptcy is it? What else can I do to get that off? Thank you for any help, I plan on calling Experian to dispute it again after they open just want to be prepared if I am right lol.

I did do a search but I didnt really understand it. I was more looking for stuff that shows the actually procedure they have to take if any. Like in Wisconsin they actually have to go to court and get a judgement to take the car, in Illinois they dont have to do anything not even warn you. The thing I found just says they can take it as long as its civil so I assume its like Illinois but wanted to confirm. I thought about calling and telling them Im filing but then they can come take it NOW and that would be bad as my lawyer told me I would lose it on my expenses/disposable income thingy, Does that make sense?

Hello i was wondering if anyone knew the NC Repo procedures, like do they have to inform me before hand etc.. We stopped making a payments on our truck that we are including in our bankruptcy (which should be filed within the next week, 2 at the most) on Feb 11th and Im afraid since it hit a month late that they will come and get it before we file. Its Nuvell if that makes any difference. Thanks