I agree this is definitely an attorney issue. I have heard of instances where debts have been included in bankruptcies without the knowledge of the borrower, so it is entirely possible that is what happened in your situation. Start with verifying that, and if it was not discharged as you originally thought your attorney may be able to help you clear it up. If you do seek help from a credit repair agency just be careful because there are many that take advantage of people in your situation. Much of what they do you can do yourself (for free) with a little research online. Best of luck to you!