creditor calls

[worriedbk7]

I have been very hesitant on telling creditors (especially cc comp) about my bk. I guess I am afraid that they will immediately start a lawsuit. We are not filing until July. Can creditors automatically debit your checking without consent from you? Last night, Chase told me that they can do it automatically over the phone and I said no thanks. What is the law regarding freezing accounts and taking automatic payments? Should I open another checking account?

[shardena]

answer

They can't just take the money out of your account. Unless you set up payments on auto deduct. July is far off, but even if they file a lawsuit, because they could even get a judgement, you will have filed. I don't think you have anything to worry about.

Just file as soon as you can, so then you can put it all out of your mind.
I pray things go well for you.