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North Carolina Bankruptcy Attorney Susanne Robicseck gives consumers a very good warning about bank accounts and filing bankruptcy:
http://www.bankruptcylawnetwork.com/2009/09/23/banks-and-credit-unions-can-keep-money-when-bankruptcy-is-filed/
I always advise my clients to be cautious when they file bankruptcy with bank accounts they have at banks that they also have loans with. 
Good advice !