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

No, a creditor is not able to report a discharged debt in bankruptcy. According to Washington state law, once a debt is discharged in bankruptcy, the creditor cannot take any action to collect the debt. This includes reporting the debt to any credit reporting agency. When a debt is discharged in bankruptcy, this means the creditor is not required to pay the debt back. The creditor agrees to write off the debt and the debtor does not owe any money. The creditor is also not able to report the debt or take any collection efforts to obtain payment. Although a creditor cannot report the debt, the debt may still appear on a credit report. This can be due to errors or if the creditor reported the debt to a credit reporting agency prior to the bankruptcy discharge. If this happens, the debtor can dispute the report and if the dispute is successful, the creditor must remove the debt from the report. In Washington, any attempt by the creditor to collect a discharged debt can result in financial penalties for the creditor. It is important for debtors to understand their rights and the protections provided by consumer debt defense law in the state of Washington.

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