The creditor can get a court order to garnish your checking account. Once gotten, the creditor would serve the order on your bank, which would then remove the funds required by the order from your account.
So I guess the answer is yes, the creditors can take money out of a debtor's checking account without the debtor's permission. The creditor just needs to get the permission of the court to take the funds.
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They cannot take money from your account without your permission unless they have filed a lawsuit and gotten a judgment against you. In that case they can file a garnishment and serve it on your bank. Your bank would then garnish the money from your account and send it to the creditorAsk a similar question