A creditor may choose not to accept online payments or even over the phone payments while you are in a bankruptcy. If a creditor is withdrawing funds from your checking account to make a payment it appears that they are attempting to collect on a debt which violates the Federal Bankruptcy Protection. They may require you to pay direct, via mail, with a money order or cashier’s check. We suggest that you choose this method and send via Certified Mail. This will give you a record of each payment sent during the bankruptcy.