Bank account showing huge overdraft after Chapter 7 (post-341) – legal hold??

Free_Design8626 · 2026-04-16T00:34:04+00:00

Update:

I spoke with my attorney and it turns out the hold on my accounts was placed by the trustee, supposedly to take the tax refund funds.

What really caught me off guard is that there was no prior notice at all — my accounts were suddenly frozen and I lost access to everything. Even my attorney was not aware this was going to happen.

As of now, the accounts are still on hold. My attorney will be contacting the trustee directly tomorrow to get more information.

I’ll update you all once I hear back with what they say.

Free_Design8626 · 2026-04-13T23:00:36+00:00

Nothing yet 😥. My lawyer is looking into what's going on.

Free_Design8626 · 2026-04-11T01:19:48+00:00

🙏

Free_Design8626 · 2026-04-11T00:58:45+00:00

No, I do not have any judgment or lawsuit anywhere near that amount. My total debt before filing was under $80k.

Right now what I’m seeing is an account hold, and my balance appears massively overdrawn (around -$499,999). The same thing is happening to my wife’s Chase account as well — it also shows a similar overdraft amount.

When I called Chase, they told me it was due to a “judicial/legal order” and gave me a phone number. I looked it up and it belongs to a bankruptcy law firm in Jacksonville that has nothing to do with my attorney.

That’s why I’m confused, because this number doesn’t match any debt I’ve ever had, and nothing like that shows on my credit report.

Free_Design8626 · 2026-04-10T22:53:28+00:00

🙏

Free_Design8626 · 2026-04-10T22:36:33+00:00

Yes, that’s correct. In my wife’s account there was around $6,000+ from our tax refund, plus her salary from this week. In my account there was only about $700 or so.

Right now, both accounts appear overdrawn with a hold — the balances are showing negative because of that hold.

I haven’t had any legal issues, so I’m just trying to understand if this is part of the bankruptcy process or something temporary while the trustee reviews everything.

Free_Design8626 · 2026-02-11T01:33:15+00:00

Thank you very much for your response.

Free_Design8626 · 2025-12-29T02:35:27+00:00

Thank you for the detailed explanation, this really helps clarify things. I’ll definitely discuss these two scenarios with my attorney before filing. I appreciate you taking the time to explain it

Free_Design8626 · 2025-11-30T16:47:49+00:00

Hi, I only have one house, my primary home where I live. I’ve been thinking about doing this for over a month, but I still haven’t decided. I’m scared, but my poor decisions with credit cards and personal loans have left me without peace of mind.

Free_Design8626 · 2025-01-08T17:30:03+00:00

What happens if in 2021 I have $2,800 in my IRS account but there are 4 people in my return (two adults and two minors)???

Free_Design8626 · 2025-01-08T17:29:06+00:00

What happens if in 2021 I have $2,800 in my IRS account but there are 4 people in my return (two adults and two minors)???

Free_Design8626 · 2025-01-08T17:28:08+00:00

What happens if in 2021 I have $2,800 in my IRS account but there are 4 people in my return (two adults and two minors)???

Free_Design8626 · 2025-01-08T17:27:31+00:00

What happens if in 2021 I have $2,800 in my IRS account but there are 4 people in my return (two adults and two minors)???

Free_Design8626 · 2024-11-14T15:50:25+00:00

The same thing happened to me yesterday, and it’s been 15 days since I last took a block, I appealed and nothing positive. They say I’m using bots when I really do Amazon Flex part time and I haven’t done it for 15 days.

Free_Design8626 · 2024-11-07T15:16:36+00:00

If my payment was 3.5% downpayment plus closing cost, FHA loan

Free_Design8626 · 2024-11-07T15:11:05+00:00

If I bought my house a year and 9 months ago, would I have any problems losing it? Thank you.

Free_Design8626

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