I am getting confused about the timings of changing bank accounts when petitioning for bankruptcy. I am probably going to petition for BK in Early February and I'm not sure what I should do with setting up bank accounts in the meantime. My current bank account is with one of my creditors, so I need to change that, but if I open a new bank account between now and my bankruptcy, will I need to open another bank account once bankruptcy is started or can I continue with the interim one I open? If all bank accounts are closed during the first phase of bankruptcy, how do you still get wages paid into an account or pay direct debits for utilities, etc? Sorry to sound so dim, but my head is full of "what, where, why, when" at the moment and it all sounds too daunting.
I would set up the new bank account in time to receive your January salary. The account will be frozen on a temporary basis, post bankruptcy, whilst the OR liaises with your bank. The ability to retain an account post-bankruptcy is entirely at the discretion of the bank itself - but most seem to be happy with this.
