ED Magedson – Founder
Discover Credit Card ServicesInternet United States of America
Nearly 20 years ago, I filed for and received a Chapter 7 bankruptcy. One of the debts that I had discharged with this Bankruptcy was my Discover Credit Card Account. Although Discover did not attend a meeting with my creditors, they did send someone to follow me out of the courthouse and make wild threats. This person was completely open about who sent him and why - to get me to retract my bankruptcy petition. I contacted the police. He was picked up and jailed for violation of his parole. It seems that Discover was in the habit of hiring convicted felons - this guy was an arsonist - to follow their soon-to-be-discharged-account holders around. That wasn't the end of it. When the discharge came through, Discover attached my next year's income tax refund from the IRS. Not having an attorney representing me (I filed for bankruptcy on my own.), I sent a tersely worded letter to their credit write offs with a xerox of my bankruptcy and a firmly worded threat to take them to court for the FDCPA violation. Discover returned my money within 24 hours of receiving the letter that I sent. That was that until 7 years after the debt was discharged. I was contacted by a debt collector for payment of the debt with a demand letter. I sent this collector a 'stuff it up yours' letter with a xerox of my bankruptcy. I never heard from this particular collector again. Two years after that, I heard from another collector. Only this outfit wouldn't send me a demand letter. (??? Problems with the proper account number, amount, or date of last activity?) I read them the riot act over the phone while making sure that I enunciated my discharge docket number clearly. They too disappeared. Two years ago, I started receiving phone calls from any number of debt collector(s), none will send a demand letter, all want payment for this discharged debt. None, of these johnny-come-latelies has a physical address and none will disclose any details about the Discover debt that they want to collect on that even come close to matching what mine were. I quit answering the phone about six months after they started. Sometimes, I get multiple agencies simultaneously calling me for a discover card debt that has no coherent parameters - no exact account number, no consistent amount, and a date of last activity that floats all over the place. I contacted my local state AGs office and, along with my local law enforcement, I think that there might be an end to this tunnel. But, with all this other crap, Discover has sent me a pre-approved credit card application. I'm sure that this is a set up and have since shredded it. What I'm wondering is this: If I were to accept such an invitation and Discover went ahead and put the discharged balance from the no-longer existing-and-previously discharged account (illegally) onto the new card, could I then take out a cash advance large enough to take care of initially legal filing fees and then file for Chapter 7 Bankruptcy to (again) stick it Discover?
This report was posted on Ripoff Report on 07/16/2010 04:57 PM and is a permanent record located here: http://www.ripoffreport.com/reports/discover-credit-card-services/internet/discover-credit-card-services-failure-to-acknowledge-the-bankruptcy-act-and-fdcpa-intern-623970. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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