What happens when a credit company "writes off" your debt? What if you filed for bankruptcy?

I filed for bankruptcy Jan 2005. Credit card company "wrote off" the debt Jan 2005. I thought it was included with my bankruptcy, but when I check my credit report, it claims I still have the debt, it's just written off. To be specific, my credit report states that I still have this amount from the one creditor as "revolving debt". Shouldn't it state that it was included in Chapter 7 like all of the other creditors state? Any help would be wonderful. I just want to know if I have something valid to dispute.

What happens when a credit company "writes off" your debt? What if you filed for bankruptcy?
Provide a copy of your Discharge Order along with Schedule F showing the debt listed in your petition. The credit bureau must show a 0 balance for all accounts included in your bankruptcy.
Reply:I used to be a loan officer for 2 years and looked at 40 + credit reports a day. I saw a ton of bankruptcies in that time, and never did they report correctly after the BK.





Please, I urge you, get a copy of your reports, and dispute all the incorrect ones. get it cleaned up by writing to both the credit bureaus and the companies. yes, it's a pain in the a$$ but worth it.





Also, and this is a little known fact, you can put a statement at the bottom of your credit report about why you filed bankruptcy. Don't need to go into elaborate detail, just a blurb about medical, divorce, job loss, circumstances. Doing so enables future lenders to evaluate your bureau more seriously, and I promise it makes a difference. When I saw those on the report, I was more inclined to give the person a loan and help them re-establish their credit.





Best of luck to you. You are not alone in this...
Reply:I think to write off means they basically gave up and they can't contact you.....You have nothing to worry about anyways..if they try to get you to pay you say you filed bankrupcty no matter what they can't do anything