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#1
Old 03-04-2015, 09:14 PM
dante_1
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Default Can I open a bank account if I owe money to debt collectors?

I don't have a bank account right now, and I want to open one up soon. I owe a huge hospital bill (50k +), and it went to collections. Obviously that's gonna be horrible for my credit report. Would I still be able to open a simple checking account for direct deposit for my job?
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#2
Old 03-04-2015, 09:54 PM
Spray_resistant
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You can for sure get a virtual one with Netspend, they send you debit/credit cards too for the account.....no dealing with idiots at the bank and you can dodge your debt as long as possible.
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#3
Old 03-04-2015, 10:14 PM
Butler
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Do collection agencies have the power to get your bank savings or put it on hold? I thought if you ignore them, they would just report it to credit agency and mess up your credit score.
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#4
Old 03-04-2015, 10:24 PM
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Default

Quote:
Originally Posted by Butler View Post
Do collection agencies have the power to get your bank savings or put it on hold? I thought if you ignore them, they would just report it to credit agency and mess up your credit score.
No only if you owe the government where they can freeze your account
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#5
Old 03-04-2015, 10:26 PM
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Pretty sure they have to offer you at least the basic account.
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#6
Old 03-04-2015, 10:39 PM
jaded
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Default

Of course you can open a bank account. Whether the debt collector has the right or ability to seize or garnish funds or wages depends on where you live. Read this...

http://www.consumerfinance.gov/askcf...-my-wages.html

and also this to avoid having your bank account seized or frozen.

http://www.nolo.com/legal-encycloped...-accounts.html

Last edited by jaded; 03-04-2015 at 10:45 PM.
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#7
Old 03-04-2015, 10:54 PM
Run
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Depends on the loan officer.

It's their ass....they approve or not. Some don't give a damn cuz......it's a trash min wage job wearing a suit.

I wouldn't give a f.uck.

Last edited by Run; 03-04-2015 at 10:57 PM.
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#8
Old 03-04-2015, 11:01 PM
Run
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Forget the bank unless you make 100k+ a year.

Put your money in a safe...or buy annuity.

Hell. Stuff your mattress with cash.
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#9
Old 03-04-2015, 11:05 PM
raabd
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Yea you can. They might garnish your wages though. Not sure. Only reason you wouldn't be able to open a checking is if you had a prior checking close due to overdraft/acct abuse or fraud
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#10
Old 03-04-2015, 11:24 PM
Sugar Adam Ali
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Yes u can open a bank account
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