In July 2015 I started the process of filing bankruptcy up to the point of going to bankruptcy court and decided not to proceed with the process, due to information I was told by another bankruptcy attorney, not the one I hired. The attorney that I hired did not tell me that even though I stopped the filing that it would still show up on my credit report. Now the bill collectors keeps adding Tradeline Bankrupcty to my credit report, some every month. Can they do this or is there a way I can stop it?
The information should be accurate. So if the bankruptcy was filed but dismissed, the tradeline should show that. If it doesn't, you will need to dispute it through Equifax, Experian, and TransUnion.
Unfortunately, even if you dismiss the bankruptcy, it can still be reported for up to 10 years. It need only be reported accurately. In other words, if anything about the bankruptcy is inaccurate (e.g. debt showed as discharged in BK despite your dismissal prior to resolution), you would have certain rights to get that corrected and may have claims if after following the dispute process, it still being reported inaccurately. If you are unsure of the accuracy of the reporting, you should get copies of your reports from www.annualcreditreport.com and provide them to a consumer protection attorney experienced in Fair Credit Reporting Act (FCRA) cases for them to review. Most will do so at little or no out-of-pocket cost to you.
Years licensed, work experience, educationLegal community recognition
Peer endorsements, associations, awardsLegal thought leadership
Publications, speaking engagementsDiscipline