I stopped paying my credit cards in 2008. 3 months ago I opened a Wells Fargo checking account & was notified 8/17 that a "funds hold" was placed due to CIR law (collections agency). CIR law has my current information because they regularly send me mail and called me. I have never received any other paperwork from them besides "seasonal settlement offers." Do they have a legal right to hold my bank account? I have two children. Automatic funds are sent through the account for child support.