Forgotten Creditors After Bankruptcy
After being discharged from bankruptcy for over a year I recently found out about a collection from a bank a small about approx 100 the account was closed years ago around 2004 they never once reported to the credit bureau.
I checked my credit report before and after bankruptcy they show up nowhere but I made recent inquiries into opening an account again with them and this is how I discovered it. They said they closed the account but they still had 100 outstanding with their internal collection department and it could be reported to the credit bureau and negativly affect my credit.
Can a credit years later having not ever filed with the credit bureau all of suddent say I think we’ll report him today. Is their a time limit if not should I contact my trustee or simply wait and see if it even shows up on my report?
As long as this debt occurred prior to the time you filed for bankruptcy, then this debt is still cleared by your bankruptcy. However, as you failed to inform the trustee about this creditor you would still be liable for a small portion of this debt. Essentially, you would be required to provide the bank (or their authorized agent) with the same recovery they would have been entitled to if you had listed them on the bankruptcy documents. So if your creditors received 10 cents on the dollar recovery, you would be responsible to pay 10 cents on the dollar to this bank.
If you have any questions on this you would should contact the trustee you filed with to confirm the details.