Latest Posts
Home > Ask The Get Out of Debt Experts > Can My Old Bank Take Me to Collections for a Checking Account? – Mark

Can My Old Bank Take Me to Collections for a Checking Account? – Mark

“Dear Steve,

In 2006 I had a joint checking account with my mother when she shortly passed away.
It was then that the bank informed me that I need to make some payments to cover my mother’s expenses which I did.

Other expenses followed but these were bank fees which caused the account to be overdrawn according to the bank.

To the best of my knowledge I don’t owe the bank anything.

Now 5 years later I received a letter from a collection agency that I owe them $800 (including interest)!

Can they garnish my wages in Washington if I don’t pay?

I have filed chapter 13 in 2008 for other reasons but did not include the bank unfortunately.

I barely make it every months with rent and other expenses but if they would garnish $800 I would be on the streets since I couldn’t pay my rent.

Thank you.


Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for loads of practical advice, tips, and help to beat back debt. – Click Here

The Answer

Dear Mark,

If you were a joint account holder and the account was not closed and incurred additional fees, charges, or penalties then you would be responsible for them.

However the first step should be for you to talk to your 2008 bankruptcy attorney about the matter of this debt being out there but not included in your bankruptcy by oversight. If you bankruptcy was successfully discharged by now it may no longer be an issue.

Let’s start with your bankruptcy attorney first and then come back and post an update in the comments below.

Big Hug!

Can My Old Bank Take Me to Collections for a Checking Account?   Mark
Get Out of Debt Guy – Twitter, G+, Facebook

If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.

Can My Old Bank Take Me to Collections for a Checking Account? - Mark by

Share This and Spread the Word

About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

Get My FREE Get Out of Debt Guy Newsletter

It is the smart thing to do.

I promise to keep your email safe and secure.


I want to keep you posted each weekday with just one email about the latest get out of debt news, scam alerts and information to beat back debt.

You can unsubscribe at any time with just one click.

After you subscribe, check your email to confirm your subscription. If the confirmation email does not appear in your inbox in a few minutes, check your spam folder for it. Sometimes it likes to annoyingly hide there.

  • It will keep you posted on the latest scams.
  • You will be alerted to the latest articles.
  • You will wind up smarter than everyone else dealing with debt.