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Can they do this. Tanya, if you'll read the article above again, you'll see that what they are threatening you with is typical of what they do. Now about the fact (if true) that you didn't list them as a creditor in your Chapter 7 filing, in California that debt is eliminated anyway (assuming that things to consider before taking personal loan rest of your creditors got nothing from your bankruptcy).
If you don't live in California, you'll have to check with a bankruptcy attorney in your state about that issue. In any event, you should be asking your own bankruptcy attorney about this because heshe knows the details of your bankruptcy.
Question: I live in California. In early January I got one of those installment loans that was approved because I have a car. Something about a title type loan (The car is not paid off and the bank has the title) Then in mid January 2015, same month, I had to file bankruptcy because a creditor was sueing me and my checks were going to be garnished.