wildebeast

I had 2 old checking accounts that were in the process of being closed. One had $11 in it and my husband accidentally wrote a check for $45 (he pulled the wrong check blank from his pocket). I recently lost my job and couldn't afford to pay the more than $100 in fees for it. I figured I would wait to receive my tax return. The bank will not work with me, and each day it kept accruing more and more fees. I told them, I cannot pay and I wanted to pay the $34 I actually owed and one fee. No dice. So I just left it and now it forced closed with a balance of -$400 or more. We are filing for Chapter 7 BK in a few months so our credit will be shot anyway. Should I worry about this? I won't be having a banking relationship with them again. I currently have a credit union and also an ING account as a back-up. The same thing happened with my other account at Chase. I still had 2 automatic debits that are infrequent so I forgot to change them in time. What bothers me is that the balance was 0. Why couldn't they just decline the payments? It was all very bad timing as far as job loss, etc. Our income isn't even 1/2 of what it used to be. With these 2 accounts, what problems should I expect? Will the balances be included in the bankruptcy?

Thanks for your help! Credit Application: Your Age? 31 Your Equifax Credit Score? Myfico 707 Your Experian Credit Score? Myfico 673 Your TransUnion Credit Score? Myfico 713 How many years have you been on file with Equifax? 11 How many years have you been on file with Experian? 11 How many years have you been on file with TransUnion? 11 YOUR PREVIOUS AUTOMOTIVE CREDIT HISTORY Do you have an open auto loan? No (financed in my spouse's name only) Will this open auto loan be a trade-in? N/A How many late pays within the last 12 months on the currently open loan? How many late pays within the last 13-24 months on the currently open loan? Your current open auto loan is financed with? Your current open auto loan payment is? Estimated amount you may be upside down in this vehicle? Rate your payment history on this open auto loan from 1-10 (1=poor:10=Best) YOUR REVOLVING CREDIT HISTORY Total number of revolving account(s) you have? 9 Total percentage utilized overall? 51% How many of your revolving accounts are store cards? 2 How many of your revolving accounts are major credit cards? (i.e. Amex, MC, Visa) 5 How many of your revolving accounts are known subprime credit cards (i.e. Aspire, 1st Premier)0 YOUR PERSONAL INFORMATION How long at your current residence? 1 1/2 years Do you Rent or have a Mortgage, or Live w/Relative or Other? own Your Monthly Rent or Mortgage payment? $1400 How long have you held your current job? 1 1/2 years Your total provable monthly gross income is? 4400 Your provable monthly gross income is provable via what method? (i.e. computerized paycheck stub, or tax return, or bank statements) paycheck stub Is there additional monthly income? What amount monthly? spouse income 4500 gross Describe the source. Spouse income Is the additional monthly income provable? paystub YOUR DOWNPAYMENT Please tell me your exact down payment in cash? (rebates and trade equity are not considered, please input a dollar value only.) 0 Does any credit repository contain any Public Record? No If yes, please very briefly describe. Does any credit repository contain any Collection Account(s)? No Please rate your overall creditworthiness on a scale of 1-10 (1=poor, 10= best) Not sure where to find this. Do I say what I think, or is this found on myfico? Please rate your Installment credit history on a scale of 1-10 (1=poor, 10=best) Please rate your Revolving credit history on a scale of 1-10 (1=poor, 10=best) New or Used vehicle you are considering: Please very briefly describe. Used compact car under $12,000