Automatic Stay Question

MrChairman · ‎10-07-2018

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.

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Anonymous · ‎10-07-2018

@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.

DaveInAZ · ‎10-08-2018

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.

DollyLama · ‎10-08-2018

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?

Anonymous · ‎10-10-2018

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.