Did you file in Oregon bankruptcy court? If so, your discharge order protects you from harassment.
Collectors cannot call you after bankruptcy. Your credit reports must be correct after bankruptcy.
An Oregon bankruptcy court discharge order wipes out your debts from before your case was filed.
Most problems after bankruptcy can be fixed without an attorney. If you can’t find your discharge order, the Oregon bankruptcy court can give you a copy. See what a sample discharge order looks like.
Second, write a letter to the collector or credit company
Include a copy of the discharge order with your letter. View a sample letter you should send to any company calling you after bankruptcy. If you don’t know a caller’s address, wait for them to call you again. Do not call them back. When they call, just give your Oregon bankruptcy court case number and nicely ask to be left alone. View more sample letters:
Third, if asking nicely doesn’t work, let me know
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Oregon Bankruptcy Court
View a sample letter to send a collector after bankruptcy. View a sample dispute to send a credit reporting agency after bankruptcy. You can view your credit reports for free each year after you file bankruptcy. View a sample discharge order.
Despite bankruptcy’s promise of a fresh start, many people continue to see collection attempts and credit reporting errors after bankruptcy. A recent New York Times article said:
“The errors are not clerical mistakes, but debt-collection tactics, current and former bankruptcy judges suspect.”