Bank took $1100 out of my checking account

[debtmonster]

You guys will be one of the first people to know if they cut access to my checking off.

I logged in this morning and it still worked. How long does it take? If the court can notify people electronically, I would think BoA would know of our BK really fast.

[BkinTX]

DM, Bank of America told me they cut my online access (mortgage; I closed checking accts with them) because the content would violate the rules for them as lenders during bk. I don't know if this will apply to your checking acct, but it's a possibility.

DSIG: Do you have any indication that USAA will drop you once your policy expires? Are you bk'ing any debt with USAA.

We are bk'ing a cc and a vehicle with them and we have our home and auto insurance with them. I am really hoping they won't drop us although I have read that they may.

[DSIG]

You know, it's not that complicated to paint your own nails. There's no reason to pay someone $15-$30 to do it for you.

its probably more than $30 in Miami. You can get away with painting your toe nails but the do-it-yourself manicure can get sloppy

[bkmaggster]

My wife always gets her nails done. That's the way it has been for years. This is Miami. You want to look good here. This is not some podunk redneck town where people don't care about how they look.

You know, it's not that complicated to paint your own nails. There's no reason to pay someone $15-$30 to do it for you.

[debtmonster]

My wife always gets her nails done. That's the way it has been for years. This is Miami. You want to look good here. This is not some podunk redneck town where people don't care about how they look.

[DSIG]

DM, you and your wife need to start living within your means. $51 dinners at carrabas and spa services on cards you knew you were about to file bankruptcy on? I guess you two are about to come to a harsh realization now that you don't have those cards to charge up anymore. This should get interesting when the UST gets involved, considering the large amount of debt you have.

I threw in the spa treatment as an example. The wife did the nails; not sure if that was at the spa...

And I agree with you. The card dependency should have been severed a long time ago and defaulted to the debit card. I have some complex issues on my bk filing but at least I can say with a clear mind that I have not used the cards since Feb. Everyone should wean themselves off their cards. Its tough when you used them to pay for everyday expenses--but you have to.

[hereforinfo]

DM, you and your wife need to start living within your means. $51 dinners at carrabas and spa services on cards you knew you were about to file bankruptcy on? I guess you two are about to come to a harsh realization now that you don't have those cards to charge up anymore. This should get interesting when the UST gets involved, considering the large amount of debt you have.

[music12]

I hope it was a nice dinner. Its not like you dined at Ruth Chris. In the big scheme of things, the IRS has some mathematical dollar allowance you get for food and the like...based on where you live and how many people are in your household. If you want to spent X at Carrabas even after you file, it counts against your food budget.

I doubt the creditors scrutinize the costs. I think they have a program that categorizes transactions, for example Carrabas would be dumped into the food category. Its too manpower intensive to scrutinize every transaction for every customer that files bk. They probably have internal controls for what they categorize as luxury items and there is probably a threshold on food.

If they want their $51 they have to file a claim. That requires a lawyer who will charge $100/hr. See, not worth their time. The creditor may file a claim pro se but they screw that up according to my attorney

more like $300 per hour

[DSIG]

Whew.... so they aren't going to give me $hit about going to Carrabbas and spending $51 bucks? Will they just sweep it under the rug?

I hope it was a nice dinner. Its not like you dined at Ruth Chris. In the big scheme of things, the IRS has some mathematical dollar allowance you get for food and the like...based on where you live and how many people are in your household. If you want to spent X at Carrabas even after you file, it counts against your food budget.

I doubt the creditors scrutinize the costs. I think they have a program that categorizes transactions, for example Carrabas would be dumped into the food category. Its too manpower intensive to scrutinize every transaction for every customer that files bk. They probably have internal controls for what they categorize as luxury items and there is probably a threshold on food.

If they want their $51 they have to file a claim. That requires a lawyer who will charge $100/hr. See, not worth their time. The creditor may file a claim pro se but they screw that up according to my attorney

[kenshirley]

This is a perfect example of cross collateralization.
These people did not know or forgot they had it.
You must get your monies out of any bank that you are doing business with or any credit lines with and close those accounts!

[debtmonster]

Whew.... so they aren't going to give me $hit about going to Carrabbas and spending $51 bucks? Will they just sweep it under the rug?

[DSIG]

Yeah, I don't mail paper checks neither. I've been using on-line bill pays since the year 2000.

So what is going to be up with Shell and BoA about me making those small charges within 90 days? Are they going to rag hard on me about that?

I dont see them saying anything about the purchases unless it was a lot of purchases. They would have to file an adversarial claim and it would be the creditor filing the claim if they felt it was worth their penny. Jewelry and spa treatments and the like would be large flags.

[Amy26]

So far none of my cards have said anything about the charges that happened within 90 days. Only one that has was the jewelry store card that we got our engagement rings from about 3 weeks before we filed. I had at least 4 cards with recent purchases.

[debtmonster]

Yeah, I don't mail paper checks neither. I've been using on-line bill pays since the year 2000.

So what is going to be up with Shell and BoA about me making those small charges within 90 days? Are they going to rag hard on me about that?

[DSIG]

So after my discharge I won't be able to write checks or pay my bills on-line the way I have been for the past 5 years?

debtmonster:

each bank is different and has their own policies for customers who file bk. I bank with USAA. I read on another message board that a USAA member had their online access restricted for filing. I contacted USAA to find out if this was true. They confirmed that they restrict online access but that this is an out-dated policy which they intend to revisit in the near future. They probably dont know how to disable certain product offer features online for bk filers. I doubt they are doing this to inconvenience me or lose me as a customer. The reality, though, is that my checking account with them is useless if I cant use bill pay and they also have a nice deposit at home feature that lets you scan your checks. I dont see myself mailing whatever paper checks I have at their only branch in TX. Its more convenient for me to open an account with a bank that has local branches. USAA said that I can keep my checking account and my insurance policies, but no online access.