Gateway And Hurley State Bank Continued trying to collect on an account that was forgiven in a 2002 Bankruptcy, showing it in a serious past due status on my credit report then sent the same account to collections October 2006! ripoff North Sioux City South Dakota

In October 2002 I included this charge account amongst the various items in my bankruptcy - a situation I was forced into because of an emergency medical procedure. The bankruptcy was granted with a discharge of all debts against a "no asset" estate effect March 2003.

November 2004 I discovered that this account was being reported on my credit report as charged off but with late charges still accruing. Using the service of the major credit reporting agencies, I filed a request to have the information corrected. The only thing that that resulted in was having a flag of "Account in Dispute" posted on the account.

In November 2006 I had a new credit report pulled which showed that this account was sent to collections October 2006. The fact that this was forgiven in a bankruptcy prohibits the creditor from taking further collection action against me.

Just recently I filed a complaint with the ethics complaint line at Gateway.com informing them that this is now a violation of ethics actions and can be punishable by a court of law as stated in the bankruptcy documentation. I received a phone call from a person stating to be a representative of Gateway saying that I have to make contact with Hurley State Bank. I've been trying to deal with these folks for the past two years to no avail - what good will it do now?

Catherine
Milton Freewater, Oregon
U.S.A.