I have visas that were on my credit report last year, but now are gone. I am claiming chapter 7, I don't want this to come back and haunt meI also have visas that say refred to collections, I don't see any coolection company that matches. Advice? They(collection) are going to tell me nothing to put on my bancrupcy file) Should I just get the name and look it up in the internet? or have a separate page and for the attournet to call?