Bankruptcy Clean Slate Protocol

Most consumers believe that once they receive a discharge, their credit reports will automatically update — but this is rarely the case.

Many creditors, collectors, and data brokers continue reporting balances, re-sell your discharged debt, or fail to update the tradeline to show $0 balance and “included in bankruptcy.” These violations can delay your recovery, block loan approvals, or even result in job denial. Tier 3 legally enforces your discharge rights under federal law.

Tier 3 is not “credit repair.” It’s attorney-supervised enforcement of your federally protected rights after bankruptcy.

Instead of generic disputes, we use legal audits, PACER cross-verification, and formal demand letters that cite the FCRA, Bankruptcy Code, and applicable case law. This is a legal protocol designed for consumers with serious post-bankruptcy reporting problems — not a template dispute program.

That may be a violation of the federal discharge injunction under Bankruptcy Code § 524(a)(2).

As part of Tier 3, we send legal notice letters to such furnishers and collectors demanding immediate compliance. If they persist, we help escalate with evidence preservation letters and potential referral to litigation partners for enforcement.

PACER (Public Access to Court Electronic Records) is the federal system that tracks your official bankruptcy case.

We cross-reference this data with your credit reports to identify inconsistencies — such as accounts that still show balances, wrong discharge dates, or debts not marked properly. This ensures your reports legally match your federal court record.

It’s a professionally written PDF you can submit to lenders, landlords, or employers explaining:

• Your bankruptcy discharge

• The legal efforts taken to enforce your rights

• Current credit report accuracy status This can help reduce friction in loan approvals, housing applications, and background checks.

Yes. Many violations continue for months or even years after your discharge.

As long as inaccurate or non-compliant data is still being reported, you can legally challenge it and demand correction under the FCRA and bankruptcy law. There is no immediate time limit on enforcing your rights — especially for ongoing violations.

This is a one-time flat fee of $1,495.00.

There are no subscriptions, no upsells, and no recurring charges.

We process your full dispute and enforcement package for up to 25 bankruptcy-affected creditors.

Tier 3 includes FCRA § 605B Identity Theft Blocks, which can help:

• Remove fraudulent bankruptcies filed in your name

• Suppress re-sold identity data

• Dispute mixed files or inaccurate reporting across multiple bureaus We also provide optional support for police reports or FTC affidavits to strengthen your legal claim.

You’ll receive tracking updates, copies of all sent documents, and results from the bureaus or furnishers.

If violations continue, we provide pre-litigation escalation, complaint filing support, and if needed, referral to litigation partners for further enforcement.

Call us directly at (626) 338-5505 or email info@OmarZambrano.com.

You’ll be assigned a dedicated legal intake agent who will walk you through the onboarding process, document uploads, and timeline for dispute delivery.