My question involves collection proceedings in the State of: I lived in IOWA at the time of incurring these debts but now live in CALIFORNIA I filed bankruptcy in 2010. I was only able to get a Chapter 13. I paid on it for about 3 years, then job changed, I could no longer pay so it was dismissed (not discharged). Now, 6 1/2 years after the filing for the bankruptcy a collection company sends me statements for the balance owed 3 different credit cards, saying they bought the debt at around the time of the bankruptcy.
What are my rights and how far can they go to collect this debt? If they do not have my original documents can they collect or get garnishment? I am self-employed so don't receive a check but could they in any way get access to my bank funds?
What are my rights and how far can they go to collect this debt? If they do not have my original documents can they collect or get garnishment? I am self-employed so don't receive a check but could they in any way get access to my bank funds?
Debt Collectors: Old Debt After Dismissal of Bankruptcy
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