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I file for chapter 7 in February 2014. It was discharged in June 2014. Now I'm starting to get calls from a payday loan that I got on line. I mention I filed chapter in 2014. They said they pulled my bankruptcy file and Cimb islamic bank personal financing did not mention their company on it. They threaten to sue me for fraud and check theft. Also, they will send summons from sheriff department for garnishment of my wages. Can they do this. Tanya, if you'll read the article above again, you'll see that what they are threatening you with is typical of what they do.
Now about the fact (if true) that you didn't list them as a creditor in your Chapter 7 filing, in California that debt is eliminated anyway (assuming that the rest of your creditors got nothing from your bankruptcy).
Consummation of this application not the slightest bit ensures that you will be affirmed for an advance offer.
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