With the assistance of the process facilitation skills outlined above, the group arrives at a decision point. Members are ready to set goals and define action strategies that will move the efforts of the task group closer to the realization of the target outcome.
2) Go to your courthouse, Get a copy of the paperwork that states that the BK has been dismissed/discharged (it should only be a few dollars). 3) Write to all three of your credit bureaus and send a copy of the discharge with a challenge stating that the bankruptcy was dismissed on the attached date (proof enclosed).
A collection account remains for 7 years from the initial missed payment that led to the collection. Public Records: Chapter 7, 11 and 12 bankruptcies remain for 10 years from the date filed. Completed Chapter 13 bankruptcies remain for 7 years from the date paid, and 10 years if not completed.