Chap 7/bank account

[collegelady]

I am considering Chap. 7. My husband became disabled last year, hence severe financial difficulties. We had separate accounts. My bank account is severely overdrawn (2000+). I asked the bank to close it before some ECB (loans) went through but they did not and paid the loans. I transferred my direct deposit to my husbands account and will soon file Chap. 7. Will they freeze our combined account we use for everyday expenses? We have no savings, only use this account for all bills and living expenses. He draws SSDI and I work fulltime. Our daughter also has a direct deposit going in from her job.

[Dawn1970]

Once you file, that puts an automatic stay on all collection efforts. In other words, they can't touch your other account once you've declared bankruptcy. Be sure to include the overdrawn account AND the loans in with your list of creditors.

[tinroofrusted]

Also, have your daugther IMMEDIATELY stop her direct deposit from going into your account, and have her get her own account set up.