Can I include a closed checking account in ch 13?

[95kindebt]

You know, from all the fees etc. Three different checks gor put through 3 x each resulting in overdrafts. They closed the account. Not sure if I need to pay it, or if I can include it in our plan.

Any advice?

[rrockinggramma]

include it all but be sure you have another account because you will be sent to chex systems which will stop you from opening up another account for 5 years

[95kindebt]

Yeah, I already got another account. thanks for your reply!

[PinkTinker78]

I was going to include two charged off accounts in my chapter 13. One is from the bank I actually work at and I still bank at. I was lucky to not get in trouble for it, but I did speak with the branch manager and he was very understanding. My problem is since I work and bank at the place I don't want there to be a problem with my open accounts once they recieve notice of my BK. I was reading on our policies and they have the right to offset any open accounts for the amount of the charged off account and freeze the open accounts. So I told my BK attorney I didn't want to take that chance since I work there and they require my direct deposit to go there. So he is allowing me to pay that on my own since it's only for $273, but I have to take care of it prior to filing the BK.

So be careful if you are inluding a debt from a bank that you also have open accounts at.