[desynerguy]

I went bankrupt personally 19 months ago. I also own a small incorp. Business. It had an amex card. Not claimed under the bankruptcy. One month after claiming bankruptcy, Amex, sent a letterdemanding full payment and cancelling the card. Amount owing $16K. I decided to just keep paying what I could. No statement was ever seen, no phone calls, nothing. Last month I wanted to check my balance, no record of the account on the call in center, nothing. Should I stop paying and leave well enough alone? Is it possible it went under bankruptcy without me knowing? Thanks in Ontario.

[excon]

Should I stop paying and leave well enough alone? Is it possible it went under bankruptcy without me knowing? Thanks in Ontario.

Hello d:

They probably sold the account to a collection agency by now. That's why they don't have record of your account. No, it's didn't get discharged in your BK. I wouldn't stop paying. Certainly, you're going to pay it one way or another. When you hear from the collection scumbag, see if you can make a deal with him. I'll bet you can settle for $.50 on the dollar. Yeah, it'll be reported to the credit bureaus. But, your credit is shot anyway from your BK.

excon

[Fr_Chuck]

Only you know if you incorrectly listed it in the bankruptcy. So pull all of the records and see. Of course if it was not a personal debt, it should not have been discharged.

If they have no record, how or what are they doing with your payment.