negative bank acct question

[help me 07]

hello everyone

i have about maybe a negative 250-300 in my bank acct i think
it started at -170 i paid 50 reduce it to 120 and then the bank charges me random fees and now i really dont know how much it is.(too afraid to check) anyways.......can i put this negative balance in my debt when i file ch7....will this get discharge?

thank you

[325Falcon]

Its a debt just like any other so I bet you can.

[dpickrn]

You sure can. Before it's all said and done, the bank may decide to play dirty. If the bank reports you to ChexSystem, a credit reporting agency and blackballer for the banking industry, send them copies of your filing and later your discharge that inlcudes the bank and they will remove the report so that you can get a checking account with another institute. Good luck with everything! I had the same deal with my bank fees piling up and causing me to not be able to get things back to good. I tried to ask if there was a way we could work something out. Their reply was no and they placed me on the ChexSystem list. I wasn't able to open a new account anywhere!!! My response was my bankruptcy petition. Which was the most stress relieving thing I have ever done. Here's the website to request your ChexSystem report:

https://www.consumerdebit.com/consumerinfo/us/en/chexsystems/report/index.htm

[nc73]

Yeah it would be easier to just pay it off.

[HeatherB]

definitely try to open up a bank account with a different bank before filing it in your chapter 7. That way if they do send to chexsys, you will already have an account.