John Doe asked:
I filed over 2 and a half years ago and was discharged little over 2 years ago. My question is how long after I am discharged do I have the right to include someone in on my bankruptcy? Because 2 months after I was discharged one creditor that wasnt on my bankruptcy but I was deliquent at the time of the discharge is now reporting negative info to the credit companies.
3 comments ↓
How about just PAYING it since it IS a debt you incurred?
Call the attorney who did your bankruptcy and see what they say.
If you were delinquent at the time, why didn’t you include this creditor in your bankruptcy? And if it showed up 2 months after discharge, why didn’t you contact your attorney and see about getting it included?
Even if they just started reporting the item recently, it still will age off 7-1/2 years from date of first deficiency. This is per the FCRA and nothing restarts that clock.
Sigh….three answers and not one of them answers your question. Sorry.
Once your bankruptcy is discharged it is next to impossible to get it re-opened to include a debt. You would have to file a whole new bankruptcy.
Actually, if the debt is not included by the “bar” date it’s already too late.
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