Bank acct , DENIAL..

[invest1choice]

Hello I had a question : what happens when you list in your bankruptcy a debt that my husband has with our current bank . I guess when I added him they overlooked it or it was too old ..But they DID put him on my bank acct and they are listed for about 400.00 under creditors. Can they make me close my acct? I tried to open an acct and got denied twice at other banks recently and I have not even filed yet ,We are just about three months past due ..I guess my score has dropped tremendously to where I can not even get a bank acct .. I'm freaking out a little .. oh my gosh what if they close the acct then we have nothing .. Can they do this? I know I am starting over and have to expect things like this but Not sure what to do without a bank acct .. I pay all my bills with that debit card ...

[HHM]

What is the debt for, if its for over-draft or bad checks, your name ends up in ChexSystems, which is what banks use to track customers who overdraw there accounts, pass bad checks etc. (its like a credit report). Once your in that system, it becomes very difficult to get a new bank account.

Generally banks don't close active accounts, but there is no legal reason why they couldn't.

[invest1choice]

It was my husband that the debt is for over draft fees and checks they paid.. and as far as me with our current bank we were overdrafted and hit with fees .. due to an oerlook that was what made me feel like just filing that is where it all started . The bank is bank of america...

[Lightning]

I don't know what your question is, but if you and your husband have outstanding overdrafts, you're going to have trouble finding a bank to open a checking account with. Very few banks will work with you.

[tracy1878]

i'm in a similar boat right now... do a search on "second chance banking" and you'll find alot of places that will work with you... the fees will be a bit higher, but at least you can have an account somewhere

[invest1choice]

My question is I guess... Can bank of america really take away your acct ? or should i take my husband off now before we file.. it is his debt from a really long time ago...

[herekitty]

Are you filing jointly or is just your huband?

[invest1choice]

Jointly .. But bank of america is his debt on the bankruptcy from way befre we met. Thanks

[invest1choice]

Okay I just talked to the bank my husband has solely and they say they will not add me due to my credit score they said like 450 which about three months ago before i started not paying my creditors it was a 597. Gosh what score do you think it will go down too after filing bankruptcy.