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Direct Deposit After Filing

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movinonup79
Regular Contributor

Direct Deposit After Filing

So I withdrew my checking account today (which wasn't a huge sum) and we are filing tomorrow.  I just wanted to know should I cancel direct deposit of my paychecks?

 

My situation is I have about $30K in medical debt and probably only about $6K in consumer debt.  After having a big surgery in January 2011 and then losing my job in Dcember 2011, it has been a rough couple of years even though I am making good progress in bouncing back.  I have been working for 2 1/2 years to modify and finally was approved for a HAMP mortgage a couple of weeks ago and just sent my first trial payment.  My attorney advised me last summer to try and work out the modification, then move forward.  I was served last monday on a big collection, so we are filing now.  

 

Thanks for any advice!

04/01/10 - TU: 659 / EX: 648 / EQ: 601 (LO Scores)
2/25/10 - EQ 588 / EX 660 (LO) / TU 633
2/9/10 - EQ 567 / EX 585 / TU 601
1/12/09 - EQ 544 / EX 570 / TU 593
12/12/09 - EQ 536 / EX 555 / TU 582
11/13/09 - EQ 536 / EX 586 / TU 566
11/03/09 - EQ 540 / EX 544 / TU 574
07/18/06 - EQ 478
Message 1 of 3
2 REPLIES 2
chasmith
Valued Contributor

Re: Direct Deposit After Filing

Before I filed, on advice of my attorney, I opened a new account at a bank I had no debt with, and one he said was known for not closing accounts due to a BK.

 

I would do that if I were you, open a new account elsewhere and verify your direct deposit is lowing there before filing.

 

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
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Message 2 of 3
movinonup79
Regular Contributor

Re: Direct Deposit After Filing

I don't owe any money to the bank my account is at.  I only hold a checking and savings there.

04/01/10 - TU: 659 / EX: 648 / EQ: 601 (LO Scores)
2/25/10 - EQ 588 / EX 660 (LO) / TU 633
2/9/10 - EQ 567 / EX 585 / TU 601
1/12/09 - EQ 544 / EX 570 / TU 593
12/12/09 - EQ 536 / EX 555 / TU 582
11/13/09 - EQ 536 / EX 586 / TU 566
11/03/09 - EQ 540 / EX 544 / TU 574
07/18/06 - EQ 478
Message 3 of 3
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