Lowry, CO Bankruptcy Law Firms & Lawyers

The 14 days are regular calendar days, but if it is a Sunday, you should have till the Monday. Also, if NJ, then you may be able to get an extension due to the storm.

Throw us a bone here ? we would need some context. Such as are you currently in a Chapter 13? If so, what goal are you trying to achieve? Do you have a lot of additional medical debt that was made after the Chapter 13 was filed? How long have you been in your Chapter 13? Are you saying that you can no longer make your plan payments and are looking for options? If you are not currently in a Chapter 13, what goals would you want to attain in a Chapter 13? Do you need bankruptcy at all? Do not get me started, I have too many concerns about your situation to be able to offer you an answer.

I do not believe that there has been a violation of bankruptcy law. The reaffirmation agreement you signed merely ensured that the debt would remain your personal obligation after the discharge. The bankruptcy code does not require a lender or it's successor to report your credit payment history with a credit reporting bureau. To my knowledge, a creditor is not required to report the debt. It may be that the new owner of your debt knows about the bankruptcy discharge but does not know about the reaffirmation agreement. If you wish them to continue tor report, call them, discuss the matter with their credit manager. You may file a dispute with the Credit Reporting Bureaus, and you may ask the Credit Reporting Bureaus to attach a one page memorandum that you draft that explains your side. Your first step is to contact the lender.