Can a creditor report a debt after it is discharged in bankruptcy?

No, a creditor cannot report a debt after it has been discharged in bankruptcy. In California, the Consumer Debt Defense Law protects consumers from creditors reporting discharged debts. The law states that a creditor is prohibited from reporting a discharged debt to any credit reporting agency. This includes both voluntary and involuntary debt discharge. In addition, creditors are prohibited from attempting to collect a discharged debt from the consumer in any manner, including by phone, mail, or legal action. The Consumer Debt Defense Law provides consumers with a powerful legal tool to protect themselves from unfairly discharged debt. If a creditor fails to abide by the law, they can be held liable for damages in a civil lawsuit. This can include any fees they may have caused the consumer to incur in their collection activity, as well as any damage to their credit caused by their reporting the debt. Ultimately, the Consumer Debt Defense Law helps protect consumers in California from the negative impact of discharged debt that creditors may attempt to report to credit agencies. This ensures that they are not unfairly penalized financially and allows them a fresh financial start.

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Can a creditor report a debt after it is discharged in bankruptcy?

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