Question: In the mid 90′s I cosigned a cell phone for a friend and apparently he stopped paying the bill in 2007, I have since then gone bankrupt and been discharged in nov 2008. During my bankruptcy they contacted me once and told them to contact my trustee, I also told my trustee about this he said not to worry about it, as they needed to contact him and I had done the right thing by giving his information. As it turns out now 2 years later they are trying to contact me again and have placed an item for collections on my credit file with equifax dated 2009. what should I do?
Answer: You should contact your trustee again, and ask them to send a copy of your bankruptcy paperwork to the cell phone company. You should also send the information to Equifax and ask them to remove the information from your file, since it was included in your bankruptcy (because the debt existed prior to your bankruptcy).