{"id":702,"date":"2014-10-07T17:10:48","date_gmt":"2014-10-07T17:10:48","guid":{"rendered":"https:\/\/mn-bankruptcy.com\/blog\/?p=702"},"modified":"2023-05-02T23:33:24","modified_gmt":"2023-05-02T23:33:24","slug":"have-the-smallest-number-of-bank-accounts-possible-when-you-file-personal-bankruptcy","status":"publish","type":"post","link":"https:\/\/mn-bankruptcy.com\/blog\/have-the-smallest-number-of-bank-accounts-possible-when-you-file-personal-bankruptcy\/","title":{"rendered":"Close any Extra Bank Accounts Before you File Personal Bankruptcy"},"content":{"rendered":"\n<p>When it comes to what bank accounts you have open at the time of filing a personal bankruptcy, the adage &#8220;keep it simple&#8221; certainly applies. \u00a0In either a Chapter 7 bankruptcy or a Chapter 13 bankruptcy, the trustee is going to want to see a statement for every bank account that you have open on the day the case is filed. The more bank accounts you have, the more complicated that can get. \u00a0It seems as if every time I have a case where my client has more than three bank accounts, that client has trouble getting the required statement for at least one of them.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Closing Bank Accounts Before Filing Bankruptcy\" width=\"525\" height=\"295\" src=\"https:\/\/www.youtube.com\/embed\/BfZ3a5TV90g?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p>If the bank is also one of the creditors which you have listed in your case, you might find them particularly uncooperative when you try to get a statement. I was making a video on another subject when I made a few parenthetical remarks about how, before filing personal bankruptcy, you should close as many bank accounts as possible. &nbsp;<\/p>\n\n\n\n<p>There are enough other things that can go wrong in any bankruptcy case, without having to worry about not being able to get a statement from some obscure bank that has no offices nearby and which has shut down your on line access. In this video I explain that prior to filing a bankruptcy case, it is prudent to close as many of your bank accounts as possible. It&#8217;s best to go into your bankruptcy case with only has one bank account &#8211; a checking account at a bank or credit union which is not a creditor.<\/p>\n\n\n\n<p>Your bankruptcy lawyer should know where the best places to bank are from a bankruptcy perspective. Some banks and some credit unions are more bankruptcy friendly than others. We have one bank in particular in the Twin Cities Minnesota area which will freeze your accounts when they find out you filed a bankruptcy, and they tend to do that whether you owe them money or not. That bank of course is to be avoided. This posting is for general information purposes only and is not legal advice. It does not create an attorney-client relationship.<\/p>\n\n\n\n<p>I am a debt relief agency. I help people file for relief under the federal bankruptcy code.<\/p>\n\n\n\n<p>Dave Kelly, Kelly Law Office, Minnetonka, MN 952-544-6356<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to what bank accounts you have open at the time of filing a personal bankruptcy, the adage &#8220;keep it simple&#8221; certainly applies. \u00a0In either a Chapter 7 bankruptcy or a Chapter 13 bankruptcy, the trustee is going to want to see a statement for every bank account that you have open on &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/mn-bankruptcy.com\/blog\/have-the-smallest-number-of-bank-accounts-possible-when-you-file-personal-bankruptcy\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Close any Extra Bank Accounts Before you File Personal Bankruptcy&#8221;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":6616,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[198,112,103,170,208,118,136],"class_list":["post-702","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-bank-accounts-in-bankruptcy","tag-chapter-13-2","tag-chapter-7-2","tag-consulting-with-a-lawyer-concerning-bankruptcy","tag-filing-process","tag-how-does-bankruptcy-work","tag-minnesota-bankruptcy"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Avoid Excess Bank Accounts when Filing Personal Bankruptcy<\/title>\n<meta name=\"description\" content=\"In 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Sometimes that seems like a long time, and other days I feel as if I just started. These days my practice is devoted entirely to counseling folks concerning their financial problems and representing them in Chapter 7 and Chapter 13 bankruptcy. One thing I don't do is credit repair. When asked about matters concerning credit scores, I like to say \\\"I'm a very good source of unreliable information about that.\\\" What I mean is that I hear a lot about it from my clients who often report back to me how they are doing after their bankruptcy is completed, sometimes even years later; but having heard some stories from a few people doesn't qualify me to give any advice. I spend a lot of time with my clients. I want to be sure we get it right. There are civil and criminal penalties for concealing or providing incorrect information in a bankruptcy care, and my goal is to keep myself and my clients as far away from problems like that as possible. 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Sometimes that seems like a long time, and other days I feel as if I just started. These days my practice is devoted entirely to counseling folks concerning their financial problems and representing them in Chapter 7 and Chapter 13 bankruptcy. One thing I don't do is credit repair. When asked about matters concerning credit scores, I like to say \"I'm a very good source of unreliable information about that.\" What I mean is that I hear a lot about it from my clients who often report back to me how they are doing after their bankruptcy is completed, sometimes even years later; but having heard some stories from a few people doesn't qualify me to give any advice. I spend a lot of time with my clients. I want to be sure we get it right. There are civil and criminal penalties for concealing or providing incorrect information in a bankruptcy care, and my goal is to keep myself and my clients as far away from problems like that as possible. 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