Q: 2000:my old bank charged off $ I owed. 2001:I filed/got bankruptcy. 2011:bank bought my old one.Must I pay that $ to it?
In 2000, I owed Wilmington Trust $2100 when they agreed to charge it off. With the help of a lawyer, I applied for bankruptcy in late 2000. The Court approved it in 2001, with no obligation for me to reimburse my creditors. In the meantime, I had changed banks. A few months ago, another bank bought out my former bank. They have not contacted me but my credit scores suddenly dropped by 150 points! Identity Guard helped me learn who had done this. The bank (M & T) that has taken over evidently believes that I owe them that $2100 from over 10 years ago. Do, I legally? I can't see how, given the 1st bank's charge off plus the bankruptcy decision. How do I make them stop & get my credit rating back? Do I need a lawyer?
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