Two possibilities exist. One is that the original creditor still owns the debt, and has merely hired a collection agency to try to collect it for them. If so, you can get by with just listing the original creditor on your bankruptcy, but if you know the name of a collection agency, then list them in addition to make sure they get notice of the bankruptcy filing. The other possibility is that the original creditor has sold the account to a debt buyer. If so, then there is a chance that the debt buyer will put a new entry on the credit report with their name, but they may also continue to leave the debt on the credit report under the former creditor name. In any event, list any creditor names that you believe are associated with the debt. If you accidentally or unknowingly fail to list the name of the proper creditor in the bankruptcy, then under SC bankruptcy law, when filing a Chapter 7, the debt will still be discharged, so don't worry if you don't have the most accurate information. Just list what you know.
I agree with the previous answer and some agencies are slow to run their data to the bureaus and some do bother. Make sure you get your old visa account numbers on the listings and as Mr. Cantrell do your best.
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Best to list as many original creditors as you possibly can as well as collection agencies.
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