Help! Wondering if it’s legal for the bank to do this. I had a credit card that the bank wrote off as a bad debt. I had entered into a payment plan with them to take ACH withdrawals from another account. They had been taking the ACH deposits on the 15th and 30th every month. They had randomly stopped one day, to no fault of mine, but I noticed they had stopped so I called them and got the schedule back on track. A while later, it happened again when they just randomly stopped taking the money. Keep in mind, I did not suspend the schedule and there was always money available in the account for them to take the ACH withdrawal. This time, they sent the account to collections. Since the account was taken by the collections agency, the bank has resumed the payment schedule and taken 2 additional payments. So my question is, can the bank send the account to collections then proceed to take the scheduled payments. Or since I was technically making the payments, can they even send it to collections? Any legal basis for this? TYIA