First, you should notify the collection agency right away that you dispute the debt.
You have a limited amount of time to declare that you believe the debt is invalid.
Ask them for their records of the debt, including records of payments on it, and check with your bankruptcy trustee to get proof that the debt is discharged.
Documentation of the discharge from the trustee should be adequate to make the collector stop contacting you, but it isn’t always so clear cut, and not all debt collectors behave ethically.
If you’re being harassed by debt collectors following a bankruptcy, the attorneys at Zelenitz, Shapiro & D’Agostino can make it stop.
Call us today at 718-599-1111 for a free consultation.