harrassment by bank after bankruptcy discharge

September 22nd, 2007 by Questions

The bank through a collection agency states that we owe an overdraft dated back three years ago when we had entered bankruptcy. This overdraft was created by the bank when they debited the account for a payment on a debt that was covered on our liabilties list. They say that because we used the account that the debt is legitimate. Our fear is that if we agree to pay just to get them off our backs that this will open the door for them to play more games. We were never contacted about the overdraft until three years after our discharge. What should we do?

Questions

One Response to “harrassment by bank after bankruptcy discharge”


, Barton Goth GCO Bankruptcy Trustees said:

You need to discuss this with your trustee. The will have a better idea who specifically was listed and will be able to provide you with better direction than I can as I am not familiar with the specifics.

Typically, if you listed the bank account, informed the bank and they still elected to honor the payment, then you are not responsible for this. However, if they were not informed and the account wasn’t closed then it is not as cut and dry.

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