Discharge injunction
Reporting a discharged debt as owed can be a §524(a) injunction violation — actionable in bankruptcy court, not just a §623 dispute.
Public Records
Bankruptcy Reporting
Every account discharged. Every one verified.
Post-bankruptcy, every discharged account should show a zero balance and a status of "Included in Bankruptcy." Most don't. AI checks all three bureau reports against your discharge order and flags every furnisher that missed the update.
What you get
Every workflow, out of the box.
- Bulk furnisher dispute for post-discharge misreporting
- §524(a) discharge injunction violation notifications
- Public-records verification against PACER
- Automated 7 vs. 10-year reporting-limit tracker (Chapter 7 vs. 13)
Strategies in play
The specific moves the AI runs on your behalf.
Zero-balance verification
Every discharged account should report $0 owed. Any non-zero balance triggers a §611 investigation.
Related solutions
The rest of the defense stack.
Credit
Credit Report Errors
Every reporting error, professionally challenged.
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Debt
Debt Collections
Turn every collector into a compliance problem.
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Credit
Charge-Offs
Stop paying for accounts the furnisher can't verify.
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Credit
Late Payments
One late payment shouldn't cost 100 points.
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Ready to run the play?
Start with a free credit audit. The AI Credit Analyst reads your file, flags issues, and drafts the first letter — all in under 5 minutes.