Latest Posts
Home > Ask The Get Out of Debt Experts > I Filed Bankruptcy and Creditors Are Still Reporting Delinquent Debts. – Nancy

I Filed Bankruptcy and Creditors Are Still Reporting Delinquent Debts. – Nancy

“Dear Steve,

I have a question with regards to bankruptcy and negative reporting by creditors. I filed for bankruptcy on 4/1/13 and the Bankruptcy Automatic Stay kept creditors from collection efforts. The bankruptcy was discharged on 7/31/13 which then reverted the automatic stay to a permanent discharge.

From what I understand, creditors cannot collect on the discharged debts, as well certain requirements they must follow regarding credit reporting. If the debts are discharged and the amounts I owed were changed to zero as of the date I filed, being 4/1/13 as a result of the bankruptcy, doesn’t that also mean they couldn’t continue reporting me as being late beyond the date I filed since they would have been reporting on being late for owing a “zero balance”?

If you have any information from a federal regulation or guidance on this, I would really appreciate it.

Nancy”

Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for loads of practical advice, tips, and help to beat back debt. – Click Here

The Answer

Dear Nancy,

The previous past due status of the loans would not be eliminated with the bankruptcy and the balances should all be reported at $0. All of the items should be reported as being included in bankruptcy and the delinquency clock would stop as of the date of your filing.

Typically collection agencies are the worst at updating this information.

I would urge you to get a three bureau consolidated credit report or report from all three credit bureaus for free at AnnualCreditReport.com.

Look for any credit reporting agencies that are not reporting the data correctly and file a dispute. The information on how to dispute the item will be on the credit report.

But frankly, the lesser issue is the incorrect reporting of an item. Most people make the classic mistake of not being proactive to repair their credit and that’s really what hurts them.

To learn what to do to repair your credit, read this free guide. It’s actually stupid easy to do.

Please post your responses and follow-up messages to me on this in the comments section below.

Big Hug!

I Filed Bankruptcy and Creditors Are Still Reporting Delinquent Debts.   Nancy
Get Out of Debt Guy – Twitter, G+, Facebook

If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.

Share This and Spread the Word

About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

Get My FREE Get Out of Debt Guy Newsletter

It is the smart thing to do.

I promise to keep your email safe and secure.

Close

I want to keep you posted each weekday with just one email about the latest get out of debt news, scam alerts and information to beat back debt.

You can unsubscribe at any time with just one click.

After you subscribe, check your email to confirm your subscription. If the confirmation email does not appear in your inbox in a few minutes, check your spam folder for it. Sometimes it likes to annoyingly hide there.


  • It will keep you posted on the latest scams.
  • You will be alerted to the latest articles.
  • You will wind up smarter than everyone else dealing with debt.