Q - I hope you are able to help me and others like me. I got caught up in the great recession and became over leveraged on my rental properties. I ended up filing for Ch 11 bankruptcy in 2012 to stop losing everything I worked my whole life for. The bankruptcy was finally closed in 2019. I am in the middle of a refinance and my banker informs me I have a $800+ collection on my credit report. There is nothing on any of the credit reports I am able to see that shows this collection. After researching this for 2 days I finally tracked it down. Unbeknownst to me, opening up the administratively closed bankruptcy to discharge it for 1 day, I was charged an $800 fee for this. My lawyer didn’t inform me. That’s a hit on him. The worst part is the Treasury Dept used my address from 2012 to send out a letter saying I owed this money. When I moved 6 years ago, I updated my driver’s license. When I filed my taxes IRS had my new address. I also updated my 3 credit reports with my new address. I never received a letter indicating I owed money to the treasury dept. I also had no problem receiving monies from the stimulus. I have been slowly rebuilding my credit and finally had a very good FICO score only to have it now drop over 200 points because the dept of treasury couldn’t be bothered with sending a notice/invoice to my current address.

I am sick of seeing our corrupt laws benefit the rich. The treasury dept SHOULD HAVE NEVER BEEN ABLE TO DESTROY MY CREDIT WITHOUT DUE FREAKIN DILIGENCE IN ENSURING THEY SENT THE NOTICE TO MY UPDATED ADDRESS!

I ask you update the federal law to ensure this doesn’t happen to ANYONE EVER AGAIN.

Thanks,

P.S. Tell POTUS we love him and pray for him everyday!