How long after my bankruptcy is discharged do I have to include a company?

Question

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.

Answer 1

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.

Answer 2

How about just PAYING it since it IS a debt you incurred?

Call the attorney who did your bankruptcy and see what they say.

Answer 3

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.