BANK OF AMERICA Illegal Practices Nationwide

If you used an attorney in your Bankruptcy proceedings, I recommend you contact that attorney. Banks are notorious for violating bankruptcy laws. The main reason they do it is because their are no Government Agencies enforcing the laws and because even if they get sued and have to pay they are never forced to pay enough to be a deterrent.

You are entitled to protection under the United States Bankruptcy Code (11 U.S.C. section 362; 524). Under the bankruptcy code they can not attempt to collect the debt against you if it is unsecured and/or discharged. If they sell the debt I believe that would be a violation as well. Under California Law a bankruptcy is allowed to stay on your credit report for 10 years but you can file a bankruptcy ever 7 years which makes little sense when you consider a Judgment is good for 10 years but can only stay on your credit for 7 years. In any event a negative item discharged under bankruptcy should be removed from your report after either 5 or 7 years. A negative account does not have to be removed from your credit if it is discharged under a bankruptcy but it does have to show as having been Discharged Under Bankruptcy. It should not show a balance but it can show a high credit amount. If you have not disputed it with the Credit Bureaus, you should do it now and provide the Credit Bureaus with documentation showing the account was discharged. If that doesn't work you may wish to consider hiring an attorney and filing a law suit against B of A and the Credit Bureau(s).

Keep in mind that the laws in your state may be different from California, so I would recommend that you familiarize yourself with the laws in your state.

In addition you should know that I am not an Attorney, however I have worked as a debt collector since 1978 and I have managed a collection agency for 18 years and I can honestly say that as of today the agency I manage has never been reported to Ripoff Reports.

I almost forgot, one last thing with respect to one of the comments that was made to you to just pay the bill, if you do decide to do that keep in mind that that would be considered preferential treatment and if any of your other creditor were to find out they could use that to overturn your entire bankruptcy. I recommend the party who posted that go fly a kite.

with the credit bureau(s) that has been used. Tell them it's not valid and BOA will have to try to prove the validity. You might want to send copies of the bankruptcy papers showing this account was included

Bank of America isnt ruining your life. Your overwhelming debt and bankruptcy is ruining your life. Pay up!