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To be honsest thats what I thought. I was trying to clean
up my credit report ( as best as one can for having a bankruptcy)
and I contacted 3 of my debtors. ( 2 gave me resonable terms and
I payed them of and they updated my credit report to read paid as
agreed.


It is illegal to attemp to collect accounts that were discharged in bankruptcy. If this is what the collection agencies are doing, send them a letter demanding removal from your credit report and to terminate collection attempts.

This does not mean that collections before bankruptcy are removed from your credit report. They need to age out, but can not be redated after the bankruptcy.

Debra
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