What Happens After My Bankruptcy?
Once your bankruptcy discharge has been granted by the Court, many creditors may disregard the discharge and try to illegally collect on your discharged debts – by improperly reporting balances on your credit report. These illegal collection actions constitute violations of the Discharge injunction, the Fair Credit Billing Act and the Fair Credit Reporting Act (FCRA).
After your bankruptcy – I’ll ask you to email me copies of your credit reports, so I can verify that no creditors are still reporting balances due and owing to them. After your discharge, you should continue to pull your consumer/credit report at least once a year. I often find violations of the bankruptcy discharge injunction, the Fair Debt Collection Practices Act (FDCPA/RFDCPA) and the Fair Credit Reporting Act (FCRA). I will review your credit reports anytime – FREE OF CHARGE. I do this to protect my clients from future surprises (and disappointments) at loan closings or when applying for credit down the road.
Its shocking when you see your credit report for the first time after your discharge and find some creditor is illegally reporting a debt that was discharged years before. And worst of all, you’re now in a position where you have to pay it or forgo the loan.
When these violations occur, I will re-open your case and ask the court to award you money damages and our attorney fees. YOU ARE NOT RESPONSIBLE FOR ANY LEGAL FEES UNLESS I COLLECT!
After your bankruptcy discharge, most other bankruptcy lawyers really don’t have much to do to help you. I do. I want to continually review your files and credit reports for errors and violations of the law.
Make sure you ask other bankruptcy attorneys what they will do for you if one of your discharged debts suddenly appears on your credit report, months or years after your discharge. I devote approximately quarter of my law practice to pursuing creditors and bill collectors for FDCPA, FCRA and discharge violations.
I will do this work at no charge to you because the bankruptcy Judge will order the creditors to pay my attorney fees.
I recommend you schedule an appointment with a bankruptcy lawyer even if you do not intend to file bankruptcy immediately. Taking this step could help you avoid costly mistakes if you decide to file down the road. I am happy to talk with you free of charge, for as long as we need, because I know it will save you money and save me time if and when you decide to take the next step.
I want my clients to be well educated in bankruptcy and consumer law, and to know their rights. You have no obligation to retain me and I will still take the time to discuss all your options and my post discharge services (including Fair Debt Collection Practice Act violations and Fair Credit Reporting Violations).
These services are free of charge to you and I often obtain settlements, which pay or reimburse you for your bankruptcy fees and sometimes many many times more. If there is a violation, I know how to make creditors and bill collectors pay you damages and it is my privilege to serve you.
If you have further questions call or email me. I am a consumer lawyer who sues abusive debt collectors and creditors in California Federal Courts. I also in help people get a fresh start discharging their debts by filing bankruptcy in Ventura, Oxnard, Simi, Camarillo, Newhall, Valencia, Canyon Country, Port Hueneme and Southern California.