discharged chapter 13 bk, owe on visa card with credit union, can they took what is owed to pay off loan!
Usually a bank or credit union retains a lien on funds held in their bank. However, this should not have happened and may be a violation of the discharge injunction because the Credit Union was bound by the plan filed in your case. They should have been satisfied with whatever distribution they received from the trustee and objected to final cure. However, they apparently did neither as you would not have received your discharge otherwise. You should inform your attorney of this so he can take appropriate action.
The answer is "it depends". It depends on what your agreement was with the credit union, and what money you had in the bank. Contact your bankruptcy attorney to review the situation to see what your rights are under that agreement.
Any advice given is general in nature and cannot be relied upon until the client retains the attorney after a full interview and review of the facts of the situation. No attorney-client relationship exists until a retainer agreement is signed and fees are paid.
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