Question, Is there any way to get a Bankruptcy dismissal off your credit report? ?
in 2005 lost Job , Lost family member, Lost mind, lost house, everything went from bad to worse. Huge medical bills etc. In 2007 my very small bank was levied. even though the amt was only 1200.00 it was every thing. The only way to get it released was to file BK. We were never even served. People at the old address got the papers. you know no signature or ID required to be served. Filed a chapter 13 to reorginize and pay the debt back. The attorney assured us the pmt. would be about 600.00 per month. Barely getting back on our feet it was a stretch but we could make that pmt. well there was a contestment filed. They refused to allow all our house pmt. we are renting with option to purchase. They wanted 1600.00 per month. which was impossible. So we withdrew the case. It was dismissed. but continues to show as a filed BK dismisal. 7 yrs at least of this reporting. this seems to add insult to injury. Is there some loop hole or fair credit reporting law to prevent this from being reported? We are trying very hard still to recoup but now matters are worse. We are building a business and have it basically growing however waiting 30 days to get paid is killing us. with no credit to fund us.
I loved getting paid every 30 days.
It taught me how to save.
No true data is removed from the file ,
Only erroneous or accounts that were the result of ID theft etc .
Normal info is on for 7 years , bankruptcy is on for 10 .
It eventually falls off AND all the good stuff keeps adding on .
Plus , since you can not file again for a long long time ,
Some lenders will overlook it because you can NOT get out of any new debt .
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It's accurate information so it cannot be removed.
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