Can a credit card company take money from your personal checking account for business debt without notificatio

No. Unless you have set up some form of autopay that you have not yet cancelled credit card companies cannot take from you unless you ok it.

I have worked for Citibank Credit Card Services for over 5 years.

they could garnish your wages but they should send you a letter to warn you.

SHort answer is yes! But you should not be surprised. Usually unpaid debts follow a process and the lender will get a judgement to attach assets. This can be a lien on a home or car, wage garnishment and even attach deposit accounts.

They would have done an asset search and they would have had to file proof that you were served with notice of default and their intent to collect. (Registered letter receipt, Deputy Service, etc).

Now depending on what business it was and how the contact terms were written for the debt, they will treat it like a personal debt. Remember that companies are entities, and CC companies can not collect from entities, so they almost always will put language in the contract that amounts to a personal guarantee by the person who applies for the credit card, even if its issued in the business name.

Ask for a copy of your CC agreement- which I am sure you never read upfront (no one does).

The only way this can be done is if your wages or bank account was garnished. In order for this to happen they have to start a judgement against you. They usually take out of the bank account you were using to pay the card. When you receive the judgement you should show up in court. Explain to the judge that you can't pay back total amount and would like pay your debt. You can maybe set up a monthly amount to owe the credit card company. If you go into judgement it will show up on your credit report. You will lose points, but not too much. It is better to arrange a pay out plan and not claim bankruptcy.

Nope. Not unless (1) You gave them WRITTEN permission or (2) there is a court order.