My husband has been getting phone calls from a collection agency at work. The agent calls but when my husband answers he hangs up right away. They will leave messages but will not talk to anyone when they call and someone answers.

The supposed debt was from an HSBC credit card. We filed chapter 13 bankruptcy in 2006. The card application was dated April 2007. I would have never applied for a card after filing bankruptcy. We received a bill for a credit card from Orchard Bank which we had in 2005 and the account was placed on our bankruptcy case. So I contacted the attorney and he said to disregard the notice. We moved in 2007 and had problems with mail being forwarded back to our old address. We had electric, cable, insurance bills that were sent to our old address. I became concerned and called the providers. They told me that the bills were sent back to them with address unknown.
I almost had all my utilities disconnected and our insurance canceled. We also had problems with the postal carrier placing mail in wrong boxes at the old address.
I’m concerned that someone may have opened up an account with a pre-approved credit offer. We received letters from one collection agency and I contacted my new attorney and she asked them to verify the debt. They did verify the debt but it wasn’t a card that we ever had.
HSBC then sent it to another agency. Then this new one. I sent them 3 letters asking them to verify the debt. I have never received any bills, letters, nothing from them. Just the phone calls at work. I then mailed them two certified letters asking them to stop calling my husband at work and to verify the debt. This was 2 months ago. No letters but the calls are still happening.
I checked my husband’s credit report and found the old HSBC/Orchard card listed and a new HSBC card listed to it. Should I dispute the file to the credit agency? Another strange item is that the collection agent told my lawyer that we paid on the bill. This is all really strange. I would never send in a payment of only . Is this a way to get this off of my husband’s credit report and to get this agent to stop? Thanks.

Technorati Tags: address unknown, bankruptcy case, boxes, card application, chapter 13 bankruptcy, credit report, electric cable, filing bankruptcy, hsbc credit card, insurance, insurance bills, lawyer, mail, orchard bank, phone calls, pre approved credit

In 2001, we signed a deal with an auto consignment dealer that they would sell our 2000 Pontiac Grand Am for 250, which they did later that year. However, about a week after they sold it, they declared bankruptcy themselves, which left quite a few car owners pretty ticked. In all, I believe they had sold 60-70 automobiles, kept the money, and then filed bankruptcy. So basically no one got paid after they had sold their cars for them. My husband and I had a loan for the car through GMAC, which we continued to pay while it was at the consignment dealer. However, after the car was sold and we realized we were not going to receive any money, we realized that we would not be able to afford to pay GMAC 000 for a car we did not have (this was why we were selling in the first place). So our loan defaulted and we were forced to file bankruptcy in 2005. Our case was closed and all debts discharged on July 29 of 2005. Today, I just finally received word from the trustee of the consignment dealer’s bankruptcy case, stating that we should get 0 out of the settlement (about 6% of the 250 they owed us). Now my question is ths: what do I do when we get the check? Is it supposed to go to GMAC or have they written this off as closed since the bankruptcy was closed? I am going to try to call our bankruptcy lawyer in the morning, but if I remember correctly, he’s somewhat hard to get ahold of, so I thought I would check to see if anyone knew on here. Thank you so much for any help you have.

Technorati Tags: ahold, auto consignment, automobiles, bankruptcy case, bankruptcy lawyer, car owners, cars, debts, gmac, grand am, money, pontiac, pontiac grand am, trustee

I had a tenant who is gone now but owes me 00 in back rent, early termination fees and damages to the house. We got a notice of Chapter 7 Bankruptcy Case. What do I do now and will I ever see my money? Can I put a lien on his property? Help!

Technorati Tags: bankruptcy case, chapter 7 bankruptcy, damages, money, termination fees

Before we answer this question, we must first determine what type of information is needed to complete a free bankruptcy case evaluation online.

There are four essential parts of an online free bankruptcy evaluation. The first part quite simply asks for your reason for thinking about filing bankruptcy. Here a number of reasons are given for you to check. The most common of which may be a job loss or illness.

For more information please visit here http://www.bankruptcyintro.com

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I filed chapter 7 bankruptcy protection on April 20, 2010. Every single creditor was notified of the filing, including the creditor being represented by NCO financial. Despite this NCO financial engaged in very harassing and nasty behavior. When I did not pick up the phone, they never left any message and hung up. They used different phone number each time to do that. When I called them back, I kept getting a message, "Please hold. All our lines are very busy". I kept holding for almost 20 minutes and this same message was repeated.

I hung up. Then i called back again and was put on hold for a very long time. A rude man came on the line saying I have to pay 0 immediately and it must be resolved right now. I said I filed chapter 7 bankruptcy protection. He said he needed proof that I filed it and will not go by my word, so I must pay. I hung up.

Then 20 minutes later another call from NCO financial came where they left no message. By now I found my bankruptcy case number. I called them back and was again put for a long hold. Then i told the agent (this time it was another rude man) i filed chapter 7 and have case number too.

After telling him the case number he responded, "we still have to verify this. its not enough. what is the phone number and address of your lawyer?" I gave them the address and phone number of my lawyer. Then he asked, "what is the zip code of the office". I said, "i’m sorry I can’t recall the zip code but you can check it on google"

He then said, "you are not complying and we will call again". By then I hung up the phone being fed up.
he made zip code a big issue. This was cruel on his part.

Technorati Tags: bankruptcy case, bankruptcy protection, case number, chapter 7 bankruptcy, creditor, google, lawyer, long time, nco financial, phone number, proof, rude man, zip code

I filed a chapter 7 bankruptcy case in kentucky. I did it all by myself because i couldn’t afford a lawyer. The reason it was dismissed is because i failed to take the credit counseling course within the time frame. (I didn’t know you had to wait 180 days after taking the test to file). Anyway, my question is how long do i wait to refile. do i have to wait 6 months from the time i filed or 6 months from the time it was dismissed? Seriously need help!

Technorati Tags: bankruptcy case, chapter 7 bankruptcy, credit counseling course, lawyer, time frame

We short sold our home the same day we filled for bankruptcy, the home was sold and now we received a motion for relief on the automatic stay. what happens with our bankruptcy case?

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