Unused Accounts after Chapter 7

[MC9199]

Before filing, I had a couple of $0 balance accounts.

One was JC Penney - I tried to use it the other day and it was declined, so I assume they cut me off because they found out about the Chapter 7.

The other one is checking account overdraft protection ($500 limit), which I have hardly ever tapped, and certainly haven't used since filing. It is listed on credit reports, and I do not/haven't had any other credit lines associated with this bank; however it is still my primary checking account.

I'm just wondering if people have retained checking account overdraft protection after BK, or if you eventually get cut off.

[music12]

i had a "line of credit" attached to my checking acct, and it got cut the second i filed (but my checking acct itself was unchanged). my guess is, your overdraft protection is already gone. you can just ask the bank. you could call and ask anonymously what happens to overdraft protection when someone files.

[keepmine]

I had $1200 OD protection from my bank that I'd never used.
Once I filed {and had no accounts from this bank in my bk} the next bank statement had no mention of any OD. Never got a letter or anything-just never appeared again on my statement. My bank accounts were unaffected.