My question involves bankruptcy in the state of: California. Question is in regard to a filing for credit card debt only. A bank creditor not listed in the filing has locked a mortgage loan subaccount preventing online access and has suspended automated monthly loan payments. Account is in good standing and loan payments are current (but being made manually at this point). Discharge of this mortgage loan debt is not being sought as part of this filing and there is no other debt – credit card or otherwise – associated with this particular bank. What justification does the bank have for locking the loan account under these circumstances and what recourse is there for getting it unlocked and regaining online access to it? I spoke to an agent at the bank who implied it might not be possible and said something about having to get an escrow officer involved, which I don’t understand. Thank you in advance . . .

