Consumer Credit Counseling Services is one of the few legitimate debt counselors out there.
One of the things they focus on is your credit report after bankruptcy. Debts that are discharged in bankruptcy must be reported on the credit report as “$0″ in the balance column and they are allowed to put “Discharged in Bankruptcy” in the notes column. If creditors are continuing to report a balance, that could be a violation of the Fair Credit Reporting Act. A nationwide firm called the
National Consumer Bankruptcy Litigation Center is attempting to rectify this problem by bringing suits all over the country for violation of the discharge injunction by these lenders for failing to report a $0 balance.