Credit Soultions Corporation, Tammy Ward trying to be ripoff by credit soultions corporation after two years of bankruptcy San Diego California
Me and my wife filed bankruptcy two years ago. Recently we got a letter in from credit soultions corpation saying that we have tryed to apply for credit card this of coarse is not true at all and say we owe them still from the time we filed cross country bank and household bank. When we called this tammy ward a special assets officer of this company she was very rude to my wife and even hanged up at the end of the call saying we should contact our attornary, my wife repeatly told her we have filed bankruptcy two years ago and that we owe them nothing. tammy then stated that she seen where we filed bankruptcy but said we didnt file on household on crosscountry. when we tryed to call back to tell them we have a printed copy of the list of creditors we filed on and they are on it they would not answer. well i consider this nothing but a ripoff and a scam and if we can file suit on them i sure would like too for harassment and she also said it would be left on our credit. we have all the print outs of the bankruptcy and a printout of the creditor this includes them so they have no case whats so ever.
Rick
ball, Louisiana
U.S.A.
5 Updates & Rebuttals
Carl
El Cajon,California,
U.S.A.
Contact an BK attorney
#6Consumer Suggestion
Mon, June 06, 2005
You should contact your bankruptcy attorney or hire one now if you didn't use one to file BK. This debt collection agency is in violation of the discharge and they could be subject substantially penalties for violating the discharge order.
The law states that you do not receive a discharge if you neglected to list a creditor in your BK. However, there is an exception in the 9th Circuit which includes California. If you filed a "no asset" Chapter 7, you still receive a discharge of all debts even if you negligently failed to list them.
A BK attorney can properly advise you of your rights and might even take this on a contigent fee basis.
Also, failing to change your credit report to list the debt as included on your BK may also be a violation of the discharge order and/or applicable fair credit reporting laws.
Carl
El Cajon,California,
U.S.A.
Contact an BK attorney
#6Consumer Suggestion
Mon, June 06, 2005
You should contact your bankruptcy attorney or hire one now if you didn't use one to file BK. This debt collection agency is in violation of the discharge and they could be subject substantially penalties for violating the discharge order.
The law states that you do not receive a discharge if you neglected to list a creditor in your BK. However, there is an exception in the 9th Circuit which includes California. If you filed a "no asset" Chapter 7, you still receive a discharge of all debts even if you negligently failed to list them.
A BK attorney can properly advise you of your rights and might even take this on a contigent fee basis.
Also, failing to change your credit report to list the debt as included on your BK may also be a violation of the discharge order and/or applicable fair credit reporting laws.
Carl
El Cajon,California,
U.S.A.
Contact an BK attorney
#6Consumer Suggestion
Mon, June 06, 2005
You should contact your bankruptcy attorney or hire one now if you didn't use one to file BK. This debt collection agency is in violation of the discharge and they could be subject substantially penalties for violating the discharge order.
The law states that you do not receive a discharge if you neglected to list a creditor in your BK. However, there is an exception in the 9th Circuit which includes California. If you filed a "no asset" Chapter 7, you still receive a discharge of all debts even if you negligently failed to list them.
A BK attorney can properly advise you of your rights and might even take this on a contigent fee basis.
Also, failing to change your credit report to list the debt as included on your BK may also be a violation of the discharge order and/or applicable fair credit reporting laws.
Carl
El Cajon,California,
U.S.A.
Contact an BK attorney
#6Consumer Suggestion
Mon, June 06, 2005
You should contact your bankruptcy attorney or hire one now if you didn't use one to file BK. This debt collection agency is in violation of the discharge and they could be subject substantially penalties for violating the discharge order.
The law states that you do not receive a discharge if you neglected to list a creditor in your BK. However, there is an exception in the 9th Circuit which includes California. If you filed a "no asset" Chapter 7, you still receive a discharge of all debts even if you negligently failed to list them.
A BK attorney can properly advise you of your rights and might even take this on a contigent fee basis.
Also, failing to change your credit report to list the debt as included on your BK may also be a violation of the discharge order and/or applicable fair credit reporting laws.
Gene
Granada Hills,California,
U.S.A.
What can be done most collection agencies are ripoffs in their own way
#6Consumer Suggestion
Fri, May 27, 2005
Well Rick,
The bankruptcy that you filed will protect you if they ever try to come after you and sue you for the money that they say you owe. Therefore, there's no danger of them ever being able to obtain a judgment on you and force a payment.
If this company has been calling you, before you can file any kind of harrassment charges, you need to send them a cease and desist notice..after that if they harrass you, then you can file charges. Also, I recommend sending them a copy of the BK paperwork showing that the items in question are included in bankruptcy.
Now..is this is a Ripoff? Well..in my opinion...most collection agencies are ripoffs in their own way. Bottom line is that they're bottom dweller telemarketers trying to scare money out of anyone they can for a commission. But with the exception of trying to collect on a debt which they believe is still owed..they're not ripping you off. As far as the credit reporting, just because an item is included in a bankruptcy, doesn't mean that it comes off the report. They're still allowed to report the item for their 7 years from the date of last activity, as are all the companies which you included in your bankruptcy.