One of the benefits of receiving a bankruptcy discharge is that a debtor no longer owes the debts that are wiped clean by the court. However, occasionally, a creditor will contact a New Jersey resident regarding a debt that was discharged in the bankruptcy. When this happens, it is often in violation of the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA).
For instance, in one reported case, a consumer had several debts that were in collections with the same company prior to filing for bankruptcy. The debts were subsequently discharged in bankruptcy. Approximately five months later, the collections company sent her a letter attempting to collect one of the debts that the filer no longer owed due to the bankruptcy.