legal or not?

[janecat1022]

What is the name of your state? North Carolina.
I claimed bankruptcy 2 years ago. I recently looked at my credit report and one of the credit cards that I claimed on my bankruptcy was listed twice--under two different companies. Can a bank buy an account that has been filed under bankruptcy from another company? I also filed for an investigation and the result was that it was charged off because of bankruptcy. But it is the same account charged off twice under two different names. Is this right? Thank you.

[Ladynred]

Accounts can be listed twice, but normally its a charge-off by the original creditor and the 2nd being a collection agency or junk debt buyer. BOTH should be reported as 'included in bankruptcy' if you included both on your creditor's matrix. They cannot report a charge-off AFTER you filed for bankruptcy, but if the account was in charge-off status BEFORE you filed, then that is part of the account history and can stay there.

It is, unfortunately, NOT illegal for a bank or collection agency to sell discharged debts to other junk debt buyers or collection agencies, they do it all the time even though the buyer has no way to attempt to collect on a discharged debt, its illegal.