There are strict laws in Ohio and other states that govern actions taken by creditors to collect unpaid debts. Every debt collector must comply with the regulations of the law. One of them prohibits attempts to collect debts that bankruptcy proceedings have discharged. Last month, a consumer in another state filed a lawsuit alleging a debt collector had done just that.
Court documents indicate the plaintiff's debts owed to several creditors were discharged in personal bankruptcy proceedings in Aug. 2013. When debts are discharged, no further debt collection action may follow through in relation to the debts listed in the discharge. The complaint states that the defendant -- a debt collection agency -- initiated further action by sending letters of demand. The plaintiff claims to have received these letters -- addressed to her residential address -- from Oct. 16, 2015 through May 5, 2016.