returning to credit union incl in chap 7?

seriously · 11-02-2009, 10:25 AM

hello all,

my chap 7 was discharged last week. Yay! Before filing, I was advised by my atty to move my bank account from the credit union I had been using to another bank, b/c a $1500 overdraft from the credit union was included in my chap 7. I detest my new bank (fees, fees, fees--a fee for using THEIR debit card at THEIR machines! for example!) and the credit union is really the best deal around, so I'd like to go back to them. my account at the credit union is still open--I didn't close it, just pulled the money from the checking account. Since they haven't closed my account, and the bk is over and done with, I should just be able to go back... don't you think? Or should I talk to them first?

thanks!

**AngelinaCat** · 11-02-2009, 10:31 AM

I won't hurt to talk to them. I am surprised that the account remained open.

We had an auto loan and an overdraft protection with our CU, and we had to reaffirm those in order to stay with our CU. ('Hub had joined when he first went to work more than 40 years ago, and wished to remain with them.) If we had not reaffirmed, our accounts would have been closed. But the people had been good to 'Hub over the years, and he had some good conversations with the people in the BK department,

Good luck to you

seriously · 11-02-2009, 10:50 AM

Thanks for the good wishes! I guess I'll just walk on in and talk to them. What a concept

seriously · 11-09-2009, 01:51 PM

Just an update in case the info may be useful to anyone else. The credit union took me back! I spoke with a manager and she said the collection notes on my overdraft account were still on there, but should have been removed b/c they knew the BK was complete. She was totally cool, offered to check on it and get back to me, called me back in a couple of days to confirm that the notes were removed, and I can use my account as normal.

11-02-2009, 10:25 AM	#1
seriously Registered User B/F Newbie Join Date: Oct 2009 Posts: 14	returning to credit union incl in chap 7? hello all, my chap 7 was discharged last week. Yay! Before filing, I was advised by my atty to move my bank account from the credit union I had been using to another bank, b/c a $1500 overdraft from the credit union was included in my chap 7. I detest my new bank (fees, fees, fees--a fee for using THEIR debit card at THEIR machines! for example!) and the credit union is really the best deal around, so I'd like to go back to them. my account at the credit union is still open--I didn't close it, just pulled the money from the checking account. Since they haven't closed my account, and the bk is over and done with, I should just be able to go back... don't you think? Or should I talk to them first? thanks!

11-02-2009, 10:31 AM	#2
AngelinaCat Moderator B/F Guru Join Date: Apr 2008 Location: Northeast Florida Posts: 2,972	I won't hurt to talk to them. I am surprised that the account remained open. We had an auto loan and an overdraft protection with our CU, and we had to reaffirm those in order to stay with our CU. ('Hub had joined when he first went to work more than 40 years ago, and wished to remain with them.) If we had not reaffirmed, our accounts would have been closed. But the people had been good to 'Hub over the years, and he had some good conversations with the people in the BK department, Good luck to you
	"To go bravely forward is to invite a miracle." "Worry is the darkroom where negatives are formed."

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11-02-2009, 10:50 AM	#3
seriously Registered User B/F Newbie Join Date: Oct 2009 Posts: 14	Thanks for the good wishes! I guess I'll just walk on in and talk to them. What a concept

11-09-2009, 01:51 PM	#4
seriously Registered User B/F Newbie Join Date: Oct 2009 Posts: 14	Just an update in case the info may be useful to anyone else. The credit union took me back! I spoke with a manager and she said the collection notes on my overdraft account were still on there, but should have been removed b/c they knew the BK was complete. She was totally cool, offered to check on it and get back to me, called me back in a couple of days to confirm that the notes were removed, and I can use my account as normal.