What is the name of your state? New Jersey
When i was 19 me and my boyfriend got an apartment togeather, well as time went by he lost his job, and we had some bills that were past due, about $500 i think and we seeked advice from a get out of dept company now mind you at the time owing $500 was alot to us we we nervous and mostly he owed it, not me, so this company calls us and we setup an appointment with her and she comes to our appartment and we told her we owed about $500.00 what can we do she said that is not enough dept to do anything so she said she could do something for us, she said to claim a chapter 7, i did not know what a chapter 7 was she said it was where you go to the court and say you don't have the money to pay and they will file it with the creditors, but we did not have anybody big to come after us like that, so anyway then she said in about a month go back to the court and it discarged and pay what you owe in little payments, and that would be it. Well needless to say 6.5 years later this thing is still on my credit report as a discarged bankruptcy and as the years have gone by i looked more and more into getting info on how i was able to claim a chapter 7 when i only owed about 500.00 dollers and that was not even all mine, it was mostly my ex. I was scammed some how. I had to pay this women i remember at the time i think 50 or 75 dollars to get the money i owed in payments instead of collections being filed by them. So i was scammed and now i have a discarged Bankruptcy on my credit report, when i did not even have any real credit at the time, so everything else on my credit is good but this one thing, and there is not supporting history for me to have to file a bankruptcy. It was a total mislead thing that i was told to do. I don't know what to do now, i am trying to buy a home now with my husband and this is hurting my credit score a little. Is there a way to prove that i did not owe anybody and i was mislead into this. I don't know what else to do, i want this off my credit report now, I was 19, the court where i went to file did not even ask for proof of owing anything. I owed nobody anything big but $500 to like the phone company or and half owed on my rent. What should i do, This is on my credit report with no supporting proof. Help. This is the craziest thing ever. As they say Young and Nieve is a true saying. I look back and say how dump could i have possibley been. I can't beleive i belived this women. Please help
When i was 19 me and my boyfriend got an apartment togeather, well as time went by he lost his job, and we had some bills that were past due, about $500 i think and we seeked advice from a get out of dept company now mind you at the time owing $500 was alot to us we we nervous and mostly he owed it, not me, so this company calls us and we setup an appointment with her and she comes to our appartment and we told her we owed about $500.00 what can we do she said that is not enough dept to do anything so she said she could do something for us, she said to claim a chapter 7, i did not know what a chapter 7 was she said it was where you go to the court and say you don't have the money to pay and they will file it with the creditors, but we did not have anybody big to come after us like that, so anyway then she said in about a month go back to the court and it discarged and pay what you owe in little payments, and that would be it. Well needless to say 6.5 years later this thing is still on my credit report as a discarged bankruptcy and as the years have gone by i looked more and more into getting info on how i was able to claim a chapter 7 when i only owed about 500.00 dollers and that was not even all mine, it was mostly my ex. I was scammed some how. I had to pay this women i remember at the time i think 50 or 75 dollars to get the money i owed in payments instead of collections being filed by them. So i was scammed and now i have a discarged Bankruptcy on my credit report, when i did not even have any real credit at the time, so everything else on my credit is good but this one thing, and there is not supporting history for me to have to file a bankruptcy. It was a total mislead thing that i was told to do. I don't know what to do now, i am trying to buy a home now with my husband and this is hurting my credit score a little. Is there a way to prove that i did not owe anybody and i was mislead into this. I don't know what else to do, i want this off my credit report now, I was 19, the court where i went to file did not even ask for proof of owing anything. I owed nobody anything big but $500 to like the phone company or and half owed on my rent. What should i do, This is on my credit report with no supporting proof. Help. This is the craziest thing ever. As they say Young and Nieve is a true saying. I look back and say how dump could i have possibley been. I can't beleive i belived this women. Please help