Worried about boyfriends checking acct.

[Jackdog]

I'm planning on filing. I meet with an attorney on Wednesday, I may have to put it off due to the amount of gambling I've done the past couple months (didn't use credit cards for those but my bank statements will show a lot of payments to an online casino.

I have in the past used my boyfriends checking account to pay some of my bills. I'm not on his checking acct it's solely in his name. I'm afraid that some of the debts (all in my name only) will do an automatic payment with his checking account since they have all his checking info on file. I feel really bad asking him to close his checking account but I would feel even worse if they withdrew a payment without my permission or his and put his account into a negative balance. Can they do this? I don't have any autopays set up through his account. Just used it here and there when he had the money in his and I didn't have the money in mine.

Thanks for help

[justbroke]

To be really diligent, I would ask him to move his account or at least instruct his bank to create a new account for him. You really don't want to expose him to your issues, which you probably already have. While they may not be legally allowed, it may not stop them from using prior payment information, to take a payment. In other words, they may do it, even though you could have it undone. However, this would be a pain getting a court order to get them to return the money.

Just do this right. Come clean with your boyfriend.

[blessed]

It depends on which hassle you rather deal with. He can dispute charges and any fees they create, fight with your CC companies and his bank. Or he can close his account and get a new one to avoid the charges altogether. The problem with them charging his account and disputing it is that you can't include those charges or any fees in your bk... he might get stuck with a mess.

GL!

[Jackdog]

Thanks for all the advice. I'm so relieved I asked this question before it became an issue. I told him about the situation when he got home a few minutes ago and he took it much better than I thought. He said ok I'll call my job tomorrow stop direct deposit and open a new checking account on Tuesday (his day off).

[justbroke]

Hey can open an account with his bank, online. He can, after he gets a new account, switch his direct deposit to the new account. I think that's the best method. Moving a direct deposit can be a pain. I'm glad that he took it well.