I declared bankruptcy on November 30, 2007. I was instructed to put a stop payment on all automatic bank payments, one of which was to Dell. Which I did.
Under the bankruptcy act I do not have to contact my creditors expressly to tell them about my bankruptcy, but if they make a collection call I am to direct them to call the bankruptcy trustee and give them the name and phone number to do so. I did all of that.
I contacted Dell both by phone and by 2 emails to tell them about my situation.
However, despite my having given then notification, they have continued to try and take the funds from my bank account every single month for the months of December through to May.
I know 100% that they are aware of my bankruptcy because when I went for my first credit counselling session back at the beginning of January, I was told that Dell had filed a claim. And Dell contacted me in early April to tell me that the trustee has given them the go ahead to deal with me directly about the equipment lease. I also got a copy of a letter that my trustee sent to Dell.
The phone call from Dell in April was the last I had heard from them other than their attempts to take funds from my bank. The girl had asked me if I planned on continuing with the lease. I told her no. I was expecting to get labels in the mail to send the equipment back, or someone showing up at my door, but nothing came of that conversation.
Today I got a call from Dell. The conversation went something like this:
Dell: "You have a stop payment on your account".
Me: "Yes! I know!"
Dell: "Why?"
Me: "I declared bankruptcy on November 30, 2007."
Dell: "We aren't aware of that."
Me: "Yes you are. I've told your company that at least once a month since I declared, and Dell filed a claim with the trustee back at the beginning of January. Dell also called me in April regarding my bankruptcy and whether I planned on continuing the lease, to which I said, no."
Dell: "What is the name of your trustee?"
Me: "You have all of that information already and I'm not about to go and dig it out yet again. I'm sure if you take the time to actually read the file, you will find the information you need."
I wonder if they will try again to take funds out of my bank account in a couple weeks. I'm done dealing with them. I have decided that if anyone from there calls me again, I'm just hanging up the phone. They know my situation, they have acknowledged that they know, yet they still try to take my money and pretend that they don't know.
Under the bankruptcy act I do not have to contact my creditors expressly to tell them about my bankruptcy, but if they make a collection call I am to direct them to call the bankruptcy trustee and give them the name and phone number to do so. I did all of that.
I contacted Dell both by phone and by 2 emails to tell them about my situation.
However, despite my having given then notification, they have continued to try and take the funds from my bank account every single month for the months of December through to May.
I know 100% that they are aware of my bankruptcy because when I went for my first credit counselling session back at the beginning of January, I was told that Dell had filed a claim. And Dell contacted me in early April to tell me that the trustee has given them the go ahead to deal with me directly about the equipment lease. I also got a copy of a letter that my trustee sent to Dell.
The phone call from Dell in April was the last I had heard from them other than their attempts to take funds from my bank. The girl had asked me if I planned on continuing with the lease. I told her no. I was expecting to get labels in the mail to send the equipment back, or someone showing up at my door, but nothing came of that conversation.
Today I got a call from Dell. The conversation went something like this:
Dell: "You have a stop payment on your account".
Me: "Yes! I know!"
Dell: "Why?"
Me: "I declared bankruptcy on November 30, 2007."
Dell: "We aren't aware of that."
Me: "Yes you are. I've told your company that at least once a month since I declared, and Dell filed a claim with the trustee back at the beginning of January. Dell also called me in April regarding my bankruptcy and whether I planned on continuing the lease, to which I said, no."
Dell: "What is the name of your trustee?"
Me: "You have all of that information already and I'm not about to go and dig it out yet again. I'm sure if you take the time to actually read the file, you will find the information you need."
I wonder if they will try again to take funds out of my bank account in a couple weeks. I'm done dealing with them. I have decided that if anyone from there calls me again, I'm just hanging up the phone. They know my situation, they have acknowledged that they know, yet they still try to take my money and pretend that they don't know.