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It could be finest that you simply open a new bank account before submitting chapter. If you overdraw your old checking account, you can find it troublesome to open a new one. It does not matter whether you are making installment payments on a pay day loan, have been in default for a while or are being sued or garnished by a pay day loan company. The only worry you have is whether or not they have a case of fraud in opposition to you. In the overwhelming majority of circumstances, however, there isn't any fraud concerned on the part of our bankruptcy shoppers and the debts are fully discharged. Again, so long as you supposed to pay the loan again if you took it out, it might be discharged.