Robert
Irvine,#2Consumer Comment
Tue, July 26, 2011
Your lawyer was right. You should not have given them a single penny. Because not only was this way beyond the Statute of Limitations but even if it wasn't it would have been included in the Bankruptcy and you wouldn't owe it anyways.
However, since you did you may have put things back in motion to where you are liable for the debt. The best thing you can do is go back to your Bankruptcy Lawyer and see what they think you should do next. Hopefully you didn't sign anything such as a reaffirmation agreement that would effectively say that you owe the debt even though it would have been included in the Bankruptcy.
For future reference if you ever get a call from a Debt Collector..HANG UP. You never talk to them over the phone because as you found out nothing good can come of that. You NEVER agree to any thing unless it is in writing. IF a debt was included in the Bankruptcy paying it now won't do anything to improve your credit, and you do not legally owe it. A lot of Collections Agencies will often tell you anything to get you to pay right then and there, and often these things are outright lies. Familarize yourself with the Fair Debt Collection Practices Act(FDCPA) and the Bankruptcy Laws that forbid a creditor from coming after a discharged debt. Your Lawyer should be able to point you in the correct direction for both of these things.
Jim
Millbrook,#3Consumer Comment
Tue, July 26, 2011
That should tale care of it.