Hello- I filed chapter 7 in June of 2004 on medical bills that were turned over to collects. However, here I am today a full time student (trying to better myself), single mom and have a credit card company that took all the money out of my bank account yesterday. I hva not charged on the account for over 3 years and was making payments until they raised the interest to 29% two years ago. I cannot put money into my account because they will take it but on the other hand I can't not have an account. I also can not afford to pay the debt of this CC and the couple other ones eithers. I have NO idea what to do. Is all I know, is that I can bearly afford to live as it is little alone them taking what money I did have in my checking account. I would take any advise you have to offer.

Thanks so much

You need to call your lawyer and ask them what to do. Did the CC company take you to court and get a judgement against you ?

Yes, there is a lot of things you should not have done. But that is too late now.

First if you open a new account when they find it, they can just freeze it next. So you may have to learn to live without a bank account, many people do.

Next you may even have to get a second job, put off school for a while even if you have to pay bills to eat.

As you know you can not file for a new bankrutpcy for 8 years now after a chapter 7, so it will be 2012 before you can even consider filing. A judgement is not going away.

I cannot put school on hold to get another job. Because I would then have to start repaying student loans 6 months after quiting. Those monthly payments will be $500.00 so that is not an option at this point.

I do believe that I can file Chapter 13. I am meeting with my attorney Monday.

Yes. They did get a judgement.