<prompt> Human: As the title says, i owe a few companies, nothing major, I am afraid of collectors taking money out my account, i think i owe 1-2 payday loans from like 8 years ago, and couple phone companies from 5 years ago, can they take my money from my account, im paranoid about getting direct deposit, cuz i dont want to have bunch of money missing, i have finally decided i need to start saving money for the future, but dont want to be let down. emptied out. pls help. on a side note, i beleive along time ago, i applied for chase credit card and got approved, when i went to open an account, she said i had an account, and realized it was the old credit card that i believe i still owe, can they start taking out my account?they told me that they have to get court orders to take out my account? but my friend who owed 1000 for dentist credit, got 1k taken from his chase bank account? pls, im really scared to put direct deposit in :  <response>: Settle your debts then you wont have to worry about it. 