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The chex system reportage is for five years. There are banks who will allow a person to open an account under specific guidelines, such as a minimum security deposit. Another option is to have a relative open an account and add the person as an authorized account user. It is also possible to obtain a Visa or MC Stored Value Card. The fees can be rather high, but the card can be used similar to a debit card, to pay bills online, and so forth. Generally within 6 months after the BK discharge it becomes easier to find a bank willing to let the person open standard accounts.

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20y ago

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If someone files for bankruptcy can the Credit Card company take money out of your checking account to try and retrieve some of the debt after they were informed you were filing bankruptcy?

No, once a bankruptcy is filed an automatic "stay" is in place, and creditors cannot pursue any collection action. Even outside of bankruptcy, a creditor cannot arbitrarily garnish a debtor's bank account. The creditor needs to file and win a lawsuit, be granted a judgment and then enforce the judgment as a bank account garnishment.


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No, you cannot. It is illegal.


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You cannot.


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No, someone cannot withdraw money from your account with just the account number. Additional information such as a PIN or password is typically required to access and withdraw funds from an account.


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No, someone cannot withdraw money from your account with just your account number. They would also need additional information such as your name, password, and/or security code to access your funds.


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No, someone cannot withdraw money from your bank account with just your bank account number. They would need additional information such as your name, security code, and possibly a form of identification to access your account.


Can a creditor add an account to your bankruptcy when the account was opened after filing and you didn't include it yourself?

No, debts acquired after the filing cannot be included in the BK petition.


Can a debt collector change the date of last activity on an account that was discharged in bankruptcy?

The debt collector cannot change the date of anything, legally. If the account was discharged in bankruptcy, everything up to the filing date is not owed any longer.


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Yes, this debt should have been marked as a bankruptcy by the original creditor. It cannot be changed from a bankruptcy to a discharge unless the bankruptcy did not go through.


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