I filed bankruptcy in '06, and it was final in '08. I have been working with another bank and borrowed money in '09. In the process of doing this, they found that the first bank still had a UCC lien against me. I contacted my attorney for the bankruptcy, and he told me to talk to the bank. I did; they still have the lien and give me the runaround that its in someone else's department to release that. What can I do to get this released?
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You call the bank and ask for an officer. Explain to him/her that your bankruptcy has been discharged and they are permanently encumbered from collecting the debt. The existence of the lien indicates they are still attempting to collect the loan and it needs to be released immediately.
This assumes you were discharged and their debt was included. Give them with five to ten business days to release the lien. Ask that they copy you on the release. If they fail to do this, contact your attorney again and inform them of the bank's hesitation to release the lien.
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You call the bank and ask for an officer. Explain to him/her that your bankruptcy has been discharged and they are permanently encumbered from collecting the debt. The existence of the lien indicates they are still attempting to collect the 