Baxter & Baxter, LLP

Social Media Pages for Baxter & Baxter, LLP

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Welcome to our Vancouver, WA Bankruptcy Mini-Site!

admin — Thu, 21 Jul 2011 18:07:48 +0000

Welcome to our mini-website for Vancouver, Washington bankruptcy. The attorneys of Baxter & Baxter, LLP, are dedicated advocates for consumers. Baxter & Baxter, LLP, is a Pacific Northwest consumer protection law firm with offices in Oregon and Washington. To visit our firm’s main website, visit www.baxterlaw.com.

The Vancouver WA bankruptcy lawyers, Portland Oregon bankruptcy attorneys, Oregon City bankruptcy lawyers, and Hillsboro bankruptcy attorneys of the Baxter & Baxter, LLP, represent individuals in Chapter 7 and Chapter 13 bankruptcy. Our mission of committed and zealous consumer advocacy is unrivaled, and our track record of excellence and professionalism is recognized nationwide.

Call (360) 574-5239 to speak with a Vancouver WA bankruptcy attorney today!

More Information about Bankruptcy

“We are a debt relief agency. We help people file for relief under the Bankruptcy Code.”

How to Dispute False Credit Reports after Bankruptcy

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Bankruptcy is supposed to give consumers a fresh start. In a Chapter 7 bankruptcy, the Court may discharge some or all of a consumer’s debts. Consequently, the way creditors report the account to the credit reporting agencies must change as well.

When the Bankruptcy Court Judge issues his or her final order discharging a consumer’s debts, discharged accounts will have the notation “Included in Bankruptcy.” However, the account balance becomes zero, improving a consumer’s debt-to-income ratio. Also, the account should not show other derogatory remarks resulting from non-payment after the discharge order is entered. Deleting high balances and derogatory remarks can improve a consumer’s credit score.

Disputing False Credit Reports after Bankruptcy

If this type of information is showing on your credit report, you can send a written dispute to the credit reporting agencies. If a creditor continues reporting amounts owing or that the account is past due, consumers may be able to bring a suit for damages under the Fair Credit Reporting Act. Below is a short description of the process for disputing false information on your credit report.

1. Get a copy of your credit report. While it is possible to access your credit report online, some credit reporting companies require consumers to give up important rights in order to access their credit report through their website. Also, it can be confusing navigating the many links to purchase services that you do not necessarily need. A better way is to request it by mail.

Consumers can request their free annual credit report by writing to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The request form is available at the annualcreditreport.com website.

2. Send a written dispute letter to the credit reporting agencies. Tell them that you filed for bankruptcy, and give them the bankruptcy court case number. List the specific accounts and account numbers which were discharged.

Send your letter via certified mail, with a return receipt requested. Keep a copy of your signed, dated letter, along with copies of enclosures.