I Paying Debt Discharged in My Bankruptcy. Will My Creditors Update My Credit Report? – Joanne

“Dear Lewis,

Filed Ch 7, received discharge a few months ago. Stated my intent to keep my house/car but found out everything was discharged. In the meantime, I am faithfully paying some dischargees (mortgage, car loan, dental loan, etc.).

Just wondering if you got my question a few days ago, re: how to get Ch 7 dischargees that you are faithfully paying to report to credit bureaus. Did I miss the answer?


Dear Joanne,

Why are you paying on the dental loan? You are not obligated to do so. But the only reason I can think that you are doing it is that you still get continuing treatment from that doctor. But in response to that, usually the dentist is not carrying the debt, a random company is. So I don’t think you should be throwing money away there.

As to the car and mortgage, if the creditor is happy taking payments without a reaffirmation, that is a good thing for you. The creditors do not have to report payments, since you are not personally obligated to pay anymore.

But you can “force” them to give you payment histories. Once a year, you can ask each lender for a payment history which will show any future creditors your good payment history.

This is a win-win for you.

Good luck!

My name is Lewis Roberts and I’m an attorney licensed in Florida and Georgia. My practice focus is consumer bankruptcy, real estate issues/closings, and mortgages. I also have Florida real estate broker and mortgage broker licenses. I am a proud member of the National Association of Consumer Bankruptcy Attorneys (NACBA), National Association of Consumer Attorneys (NACA), and a graduate of Max Gardner’s Bankruptcy Boot Camp. I enjoy helping people with decisions that impact their financial well-being.

Legal Disclaimer: This is for educational purposes only. It is not to be relied upon as legal advice. It also does not create an attorney-client relationship. No such relationship is formed with attorney without a written agreement.

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