Consumer complaint received 2018-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Assistance Inc (WA)

I noticed credit report said I had collection against me. I disputed and received a letter dated XX/XX/XXXX from financial assistance Inc that debt is on behalf of XXXX XXXX XXXX and to call XXXX XXXX. I called and left message and I emailed XXXX XXXX from that company to address the claim informing me that this is included in my husbands bankruptcy that has received discharge in XX/XX/XXXX. I also mentioned it is " community discharge '' granted as we are a married couple in wa state when the debts occurred. He responded with an email saying he verified the info and has canceled the account and FAI will report as canceled to credit bureaus Monday XX/XX/XXXX. XX/XX/XXXX he sent another email saying since the car loan wasn't jointly signed it is not discharged. I have had to deal with this constantly from other creditors as well so I'm familiar with how XXXX bankruptcy code works. Sorta. I have no separate property to collect from. I was unable to file jointly with my husband due to my bankruptcy from the XXXX housing crisis. Naming my debt in the community debt was approved because my bankruptcy was more than six years prior. I had 3 separate accounts through XXXX. The email from XXXX implied this was regarding the car. They repo the car during automatic stay and was forced to return it for violation. The bankruptcy attorney had to talk to XXXX attorney so there isn't a question of them not knowing about these laws. I had not heard anything since the email so I called XXXX XXXX moments ago. She wouldn't let me finish a sentence and told me that they will not talk to the bankruptcy lawyer in this case and said " I am not going to argue with u '' which clearly meant she is not willing to hear of any laws that support my claim against them. Then said good day and hung on me. XXXX XXXX complaint I did earlier with u guys I thought was resolved since I received confirming the debts were covered under community property laws and we're going to fix credit report. In XXXX they started reporting it negetively again though. My credit is worse than my husbands who actually filed bankruptcy and we feel that we haven't received any relief from filing and the fresh start we had hoped for has turned into a stressful no end battle. We have XXXX toddlers and we have to rent forever since my credit will never be as it was before he filed. I have no money for an attorney my and my husband was laid off recently for a month so I'm hoping there is something you can do to help us. The anxiety of judgments and collection agencies reporting negatively is taking its toll on my mental health. If there is a next step I can take or if we are just left with sunk cost reality of the chapter XXXX that was filed on behalf of the community property discharge we expected. They refuse to listen to anything and hang up before I can say anything. I could file this XXXX for ch XXXX myself but I don't think I could with the means test including my husbands paychecks after his raise.