Although most people who end up filing for Chapter 7 or Chapter 13 need to do so because of an immediate crisis like a foreclosure, wage garnishment or even harassing phone calls, our attorneys and paralegals usually do get questions about how long a bankruptcy will remain on the debtor's credit reports.
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Would you be surprised to learn that there are collection agencies whose main purpose is to collect debt that has been discharged in bankruptcy. Would you be even more surprised to learn that these collection agencies are not fly-by-night operations – that five of them are traded on NASDAQ, and two of the largest of these debt buyers are owned by the respected investment firm Bear Stearns.
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