Just filed ch.7, credit check for interest bearing account for my landlord? Worried.

[JJK]

We just converted from a Ch. 13 to a 7 a couple of weeks ago. We gave up our house and moved into a rental home. Our new landlords do not know about the bankruptcy. I just got a call from the landlord saying they need me to sign papers at the bank for an interest bearing account that our security deposit will be going into. I am worried the bank will do a credit check on me. This bank is also a bank that we owed money for on a checking account and have included it in the bankruptcy. What happens if they deny me on this account? I know the landlord's name will be on the account also. Are they the primary? Worried!

[frogger]

You have a landlord that is keeping your security deposit in an interest bearing account for you. You should have no problems, however.... a quick word to the landlord probably wouldn't hurt. Better for them to find out from you than on the street.

[JJK]

Well, I went this morning to sign the papers. I found out that I AM the PRIMARY, and the landlord is secondary. The bank did not do a credit check but DID look and see if I had any previous accounts with them and of course the negative checking account from years ago along with the bankruptcy came up. They decided that I should be ok with having the escrow account since I can't touch the money in it. I also mentioned about this being confidential even though my landlord is on the account. Now I am going to worry until we get discharged (sometime in July) about any problems arising from us having the negative account being discharged but this account being left alone. Also, the bank said that the landlord gets all statements and such concerning the account, so I hope no notices about the bankruptcy goes to the landlord in case of problems. Auggggh! So can't wait for disharge!

[frogger]

Log on to Pacer and check the mailing matrix. It is doubtful that your landlord is listed because you are not bk on them, however you can see if your landlord is listed there to relieve your mind...