Hippensteel Law Firm · FCRA Consumer Litigation
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Free Bankruptcy Discharge Credit Report Review
No out-of-pocket cost
Nationwide, all 50 states
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Your bankruptcy discharge was supposed to be a fresh start. But credit bureaus and lenders regularly keep reporting discharged debts as if you still owe them — balances, past-due amounts, even active collections. If that's on your report, federal law may be on your side, and fixing it costs you nothing.
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This page provides general information only. It is not legal advice, and using it does not create an attorney-client relationship. Only a consultation can tell you whether you have a claim.
How this works
Your debts were wiped out.
Your credit report should show it.
1
You filed for bankruptcy
The moment your case was filed, your creditors were put on notice. From that point on, the accounts in your bankruptcy should have been reported as included in an active bankruptcy — not as ordinary delinquent debts.
2
The court discharged your debts
Your discharge order legally wiped out your personal liability on those debts. You don't owe them. That's not an opinion — it's a federal court order.
3
What your report should show
Zero balance. Discharged.
After discharge, every discharged account should report a $0 balance, $0 past due, and a notation that the debt was discharged in bankruptcy. No balance owed, no active collection, no monthly delinquencies piling up.
4
What we often see instead
The debt that won't die
Balances still reporting. "Charged off" or "past due" statuses. Collections that stayed active. It drags down your score, blocks mortgages and car loans, and makes your fresh start look like old debt.
Example Bank
Credit card
Balance$8,450$0
Past due$2,130$0
StatusCharged offDischarged in bankruptcy
Monthly payment$264$0
Discharged · $0
An illustration of the kind of correction the law requires — not an actual account.
5
Your rights
That may violate federal law
The Fair Credit Reporting Act requires credit bureaus and lenders to report your accounts accurately. Reporting a discharged debt as still owed isn't accurate. We sue Equifax, Experian, TransUnion, and the lenders to get it corrected — and the FCRA can entitle you to money damages on top of the fix. You pay nothing out of pocket.
6
It starts with your credit reports
To find these errors, we need to see what the bureaus are actually saying about you. Pull your reports, upload them below, and we'll review them for free.
Don't have your credit reports?
You can get your Equifax, Experian, and TransUnion reports free at AnnualCreditReport.com — the official, government-authorized source. Download all three as PDFs, then come back and upload them below.
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Tip: choose the PDF or printable version of each report so you can save and upload it.
Thank you. We have your reports.
We'll review your credit reports for discharge-related errors and contact you about what we find. If it looks like a matter we can handle, we'll set up a free consultation — and if we take your case, there's no out-of-pocket cost to you. If you have questions in the meantime, call us at (480) 319-9091.
This page is for informational purposes only. Nothing on it is legal advice or a promise about the outcome of any claim, and submitting this form does not create an attorney-client relationship with Hippensteel Law Firm PLLC. Only a consultation with a licensed attorney can tell you whether you have a claim.
Upload My Reports ↓