I have a delinquent Credit Card account that I last paid in January 2009, but it was not reported as a major delinquency until December 2009. What gives? Don’t most Creditors report major delinquencies at the 6 month point? When exactly should the clock have started ticking?

To confuse matters more: this debt was either assigned to or bought by Mann Bracken, who happened to file for Bankruptcy around the same time that this item was reported as a major delinquency. Can I surmise from this that Mann Bracken was working on behalf of the original Creditor (as opposed to having bought it from them), and that it is now back in the hands of the original Creditor?
I just read from CatDad that the clock starts "beginning on the date of the first late payment that led to the charge-off". Doesn’t this mean this negative item should be tied to January 2009?
It shows as "Charge-Off" and also shows a balance.

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I didn’t realize that my 2nd mortgage was not included in the Chpt 13 Bankruptcy filed 3 yrs ago. It was a stupid mistake on my part and I am going through a horrible situation because of it now. I haven’t heard from the mortage company since before the bankruptcy, 3 yrs ago, and had no reason not to think the loan ws not included, until out of the blue, I receive a phone call last week, demanding the balance in full. Imagine my surprise! I made a terrible mistake! I would have never let this happend had I realized. Anyway…regardless of that, I am left with a loan, with a major delinquency. It is in default and considered a delinquent mortgage. The loan is 35,000 , originally 27,500. and growing by the minute! I don’t know what to do! I don’t have the money anywhere, we are trying to rebuild credit, there are no alternatives for me that I can see. Can someone help me? Im so confused and absolutely scared to death. My 1st mortgage is in perfect standing. I welcome all comments!

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