topic Re: Automatic Stay Question in Bankruptcy

Automatic Stay Question

MrChairman — Sun, 07 Oct 2018 20:34:49 GMT

I had a creditor that was listed on my BK 7 petition charge my debit card. Is this illegal and can I dispute the payment with my bank? Thanks.

Re: Automatic Stay Question

Anonymous — Mon, 08 Oct 2018 02:47:58 GMT

@MrChairman wrote:
I had a creditor that was listed on my BK 7 petition charge my debit card. Is this illegal and can I dispute the payment with my bank? Thanks.

I would talk to your lawyer and ask them.

Re: Automatic Stay Question

DaveInAZ — Mon, 08 Oct 2018 15:20:51 GMT

I wouldn't want to call it "illegal" without more information, like was it an automatic payment you had set up previously and didn't cancel? But you can always dispute any debit/credit card transaction, just list "not authorized" as the reason.

Re: Automatic Stay Question

DollyLama — Mon, 08 Oct 2018 15:31:59 GMT

How long ago did you file, you have your BK case number, have you attended the meeting of creditors with the trustee? If so, did you sign a reaffirmation agreement with this creditor to keep whatever it was secured by?

Re: Automatic Stay Question

Anonymous — Wed, 10 Oct 2018 15:20:45 GMT

I was able to get fees refunded because I had stopped my autopay a month prior but payments were still submitted. Tell the bank you filed bankruptcy. I told them that and was referred to their bankruptcy department. I stated that if the account is negative because of fees not something that was paid then I will include it in my bankruptcy and close my account. A week later they reversed $400 in fees and brought my account to positive.

@MrChairman wrote:
I had a creditor that was listed on my BK 7 petition charge my debit card. Is this illegal and can I dispute the payment with my bank? Thanks.