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  #1  
Old 08-28-2009, 10:43 PM
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lawfirm attempting to collect a debt

What is the name of your state (only U.S. law)?
I live in New York State

A law firm is attempting to collect a credit card debt that was discharged in my husband's bankruptcy in 2005. Our lawyer told us to request a copy of an original document which proves my legal responsibility for this debt. The only thing sent to us was copies of credit card statements which show the debt as charged off and a $0.00 balance. I sent a legal letter disputing this debt last Oct.(08) and I am receiving phone calls again from the law firm claiming I'm still responsible.
What are my rights?? I do not believe I am responsible for the repayment of this debt. What can I do??What is the name of your state (only U.S. law)?
  #2  
Old 08-29-2009, 09:11 AM
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Was your name ever on the account? If it was, you can be held liable.
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  #3  
Old 08-30-2009, 04:15 AM
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If you can prove that it was discharged in BK, you have a defense in court.
  #4  
Old 08-30-2009, 11:18 AM
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Quote:
Originally Posted by StephenH View Post
If you can prove that it was discharged in BK, you have a defense in court.

No she dosn't, she is not the one who filed bankruptcy, he is. The debt was dsicharged as to the husband only, if the CC company says she owes she could be liable.
  #5  
Old 08-30-2009, 12:47 PM
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Only if this was a joint account.
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  #6  
Old 08-30-2009, 02:51 PM
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Location: I don't know. The guys with the keys won't say. I think it's top secret info.
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so, to make a reasonable guess at an answer we need to know:

the bankruptcy: just your husband or both of you


the credit card: whose names are/were on the account? Just hubby or hubby and wife
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