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Congratulations, your debts have now been discharged through bankruptcy. Please find your Notice of Discharge. Retain this copy for you records. It is also wise to make 10- 20 copies of your discharge in the event one of your creditors requests proof you received a discharge through bankruptcy.
Please be aware that all discharged debts are uncollectible. If one of your creditors attempts to collect on a debt discharged through your bankruptcy, please contact our office because you may have the right to sue your creditors for discharge violations. Our firm will handle these matters free of charge! We will demand payment of our attorneys from your creditors. You may also be entitled to sanctions against these creditors, including the potential for punitive damages. So, be aware the debt collection laws are now very much on your side.
- Call or harass you
- Send you bills or collection letters
- Request payment of any of your debts
- Harass you in any way
- Contact family members or friends to collect your discharged debts (unless those people were co-obligors)
- Contact you to make payment arrangements
- Sue you or continue a law-suit against you
- Garnish your wages
- Levy on your assets or bank accounts
- Your Actual damages (such as recovering garnished wages or medical bills if you suffered emotional distress and visited a psychologist)
- Attorney's Fees
- Costs of Suit (such as filing fees and service costs)
- Punitive Damages
Haines and Krieger will handle these matters free of charge to you and collect all necessary fees from your creditors for violations committed against you.
Your creditors must also accurately report information to the credit reporting agencies. Failure to report accurate information can harm your chances of obtaining future consumer loans, such as credit lines or credit card or mortgages. So, you must make sure that your creditors are reporting accurate information, especially if you have been working hard to rehabilitate your credit after bankruptcy.
To this end, you may visit www.annualcreditreport.com. At this web-site you can obtain a credit report free of charge every 12 months. You may however wish to purchase your credit report every 6 months if you want to be vigilant about tracking your credit improvement.
If credits discharged through your bankruptcy are still reporting bad information please contact my office. For example, if your credit report indicates that you still owe a balance to a creditor discharged through bankruptcy or a credit is still reporting your account delinquent, these are examples of violations and information which impacts your credit. All creditor balances should reflect a $0 balance due and your account should not reflect any "delinquent" payments for any period preceding your bankruptcy filing date.
If your creditors are reporting bad information, please contact the Law Offices of Haines and Krieger so we may take appropriate action on your behalf.
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