Your question is directed to bankruptcy attorneys, but it seems you have not filed yet.
If you did, their action would be a violation of the automatic stay; and you should provide them with the Notice of Filing and demand that they return the funds.
If you will be filing within 90 days of their action, then it is a preference payment which you might be able to convince them to return.
If they're returning the $195 then it sounds like they're putting things back to where they would have been if the original payment you requetsed was made. If that's the case then it will be difficult for you to pursue them legally because they've fixed the "error." You may want to review the detailed matter with an attorney but the size of the claim ($195) may not justify this either.
Hope that helps.
Evan A. Nielsen
1255 W. Colton Ave., #506 | Redlands, CA 92374
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Evan A. Nielsen is licensed to practice law in California. The information provided here is for educational purposes only and is not intended as legal advice for a particular matter. This response does not create any attorney-client relationship with the author. For specific advice about your particular situation, please consult an attorney.