Krum, TX Bankruptcy Law Firms & Lawyers

To have the bankruptcy information removed from your credit report, you need to submit a dispute to the credit bureaus who are currently reporting that information. The dismissal paperwork that you should have received from the court and/or your bankruptcy attorney will serve as proof that you in fact did not receive a bankruptcy discharge and simply filed a petition for bankruptcy protection that was later dismissed. Your written disputes should be sumitted to the credit bureaus at the addresses found on their websites (they generally have a contact us tab on their websites). They will have 30 days to investigate your claim and update the information, so the change to your credit information may not happen over night, so the sooner you get this information corrected, the better. 

You need to be careful. At this point you are not liable for any deficiency once sold. You might need the help of a consumer law attorney, because the mortgagee's only recourse is against the property, and it appears they are affecting you personally that is, their reporting status is preventing you from purchasing another property.

If Energy Future Holdings owes you money for something, then you use the Proof of Claim form to tell the bankruptcy court how much the company owes you. Then someday if there is money left over to pay claims with, you may get a portion of what Energy Future Holdings owes you. If they don't owe you any money at this point, then you are free to ignore the claim form that you received.