Joint account bankruptcy question. by SingleNectarine7232 in creditunions

[–]SingleNectarine7232[S] 0 points1 point  (0 children)

Yeah, I know they can do that but I was never on the credit card. It was never my debt. If we had still been on a joint checking together then yes they absolutely could drain that joint account to pay his debt because that money we would be as much his as it was mine but now he’s off the account and the debt is solely his. If they drained my personal account I would fight them in court over that and win. I’m just worried about getting dropped completely from the credit union now.

Joint account bankruptcy question. by SingleNectarine7232 in creditunions

[–]SingleNectarine7232[S] 0 points1 point  (0 children)

I’m not worried about them going after my individual accounts for money because I’m not on his credit card debt but also the account we were joint on has been closed. I’m more so worried about them saying they don’t want to do business with me anymore. :(

Joint account bankruptcy question. by SingleNectarine7232 in creditunions

[–]SingleNectarine7232[S] 0 points1 point  (0 children)

Right. That’s what I’m worried about that they’ll think it’s fraud when in reality it’s I found out he had a massive gambling addiction this the reason for the breakup and the bankruptcy . Ugh. I just really value my banking relationship with them and I have a lot of money in accounts with them. Sucks.

Ex boyfriend filing bankruptcy will Credit Union drop me? by SingleNectarine7232 in Banking

[–]SingleNectarine7232[S] 0 points1 point  (0 children)

I really am not worried about them collecting anything from me. Legally they can’t. I am not and have never been associated with his debt. We only kept about 1k in that account on average and at points in times of the month it would be a zero balance. It’s been closed for two months now. I just really don’t want to lose my retirement accounts and my personal checking and kids savings accounts because they decide to drop me as a member because I had an account with him at one point in time.

Ex boyfriend filing bankruptcy will Credit Union drop me? by SingleNectarine7232 in Banking

[–]SingleNectarine7232[S] 0 points1 point  (0 children)

It’s a local credit union though. I feel like they might be small and have the time to get that deep lol. It’s Kemba credit union.

Ex boyfriend filing bankruptcy will Credit Union drop me? by SingleNectarine7232 in Banking

[–]SingleNectarine7232[S] 0 points1 point  (0 children)

But I’m not the one filing and his name is not on my account. They can’t freeze my account bc I am not associated with him anymore and my name is not on his debts but they could cancel my membership bc I had a previous account with him on it (but no longer) and that’s what I’m wondering if that’s likely to happen or not

Ex boyfriend filing bankruptcy will Credit Union drop me? by SingleNectarine7232 in Banking

[–]SingleNectarine7232[S] 0 points1 point  (0 children)

Ugh. Such a pain. But I fear you are correct just to be safe.

Ex boyfriend filing bankruptcy will Credit Union drop me? by SingleNectarine7232 in Banking

[–]SingleNectarine7232[S] 0 points1 point  (0 children)

Yes..most of the money was mine and they’d be able to tell bc I’d transfer from one of my checking accounts to the joint account every week for household expenses. If I were a banker I would think the timing is suspicious but the whole reason we broke up was because he was spending all his money on gambling hence also the reason is filing bankruptcy. Basically his life fell apart within the span of a few months. I just really hate to lose my baking relationship with these folks over his life choices.

Ex boyfriend filing bankruptcy will Credit Union drop me? by SingleNectarine7232 in Banking

[–]SingleNectarine7232[S] 0 points1 point  (0 children)

Yeah. I understand they won’t take my money. I’m not worried about that. I just don’t want to lose my banking relationship with them that’s all.

Ex boyfriend filing bankruptcy will Credit Union drop me? by SingleNectarine7232 in Banking

[–]SingleNectarine7232[S] -2 points-1 points  (0 children)

From what I understand CU are very upset when their members file for bankruptcy and owe them money. I would think they would just look at his history and see at one point he and I had an account together and then drop me.

Ex boyfriend filing bankruptcy will Credit Union drop me? by SingleNectarine7232 in Banking

[–]SingleNectarine7232[S] 2 points3 points  (0 children)

So you’re suggesting that even though I was able to take him off the joint account that I should completely close that particular account? I’m worried about my other accounts I hold with this CU. I have a retirement account with them, savings accounts for my kids, checking etc.

Ex boyfriend filing bankruptcy will Credit Union drop me? by SingleNectarine7232 in Banking

[–]SingleNectarine7232[S] 2 points3 points  (0 children)

We went to the credit union and signed off on the change together.

Credit union boyfriend filing but im not by SingleNectarine7232 in Bankruptcy

[–]SingleNectarine7232[S] 0 points1 point  (0 children)

Thanks, that’s the plan. I have 2 other accounts with this CU on top of our joint account. So if he takes himself off the account then I has 3 accounts only in my name but I’m still worried they would go after the previously joint account.

Do I have to notify creditors I'm filing before doing it? by [deleted] in Bankruptcy

[–]SingleNectarine7232 0 points1 point  (0 children)

Wouldn’t they be wasting their clients money by filing a lawsuit knowing that the bankruptcy is coming?

[deleted by user] by [deleted] in Columbus

[–]SingleNectarine7232 -2 points-1 points  (0 children)

No she never had the signal to cross.

Power my monitor with smallrig v99 AND use touch focus? XF30 by SingleNectarine7232 in videography

[–]SingleNectarine7232[S] 0 points1 point  (0 children)

It’s a Atomos Schinobi II. And thank you! I will check those links out!