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URGENT: I Need Advice...soon.

Date: Fri, 03/21/2008 - 07:14

Submitted by egyptcrossarabs
on Fri, 03/21/2008 - 07:14

Posts: 257 Credits: [Donate]

Total Replies: 111


I am going to have to default on some of my storefronts before I have time to pay off some and arrange further paydowns.
I did a stupid thing in that I sent off my house payment early so it would get there on time. Instead of deposting my check as they usually do, they ran it through the day they got it. I had money in the bank to cover the checks I thought would come through, but it left me $500 overdrawn. To make a long story short, I have about $400 worth of overdraft charges on all the small checks which came through last night.
I do not have the money to go in and rewrite the checks that were due today. One I have to pay $460 and I cannot rewrite the second check for two days....these were the ones I had to wait on while I paid off a couple. That money that I have left will have to stay in my account for other checks/payments I wrote.
None of those checks are on my new account, so if they send them through it will just come back to them.
I had not anticipated this happening until I could get the amount I was paying others on a paydown done.
What should I do? Tell them to send the checks through if they must, try to work something out as it is the day they are due?
No sleep last night.


How in the hell would she be able to get a cashiers check in your name? WTF?? Unless I'm missing something here, the chick is on crack. Have you filed complaints against these yahoo's yet? Totally insane. God, I wish they would just turn you over to collections. Hell, you could make payments. A cashiers check? She said she was going to take a cashiers check in your name to the bank and cash it? Is that what the chick on crack said? Am I lost here?


lrhall41

Submitted by cannr on Thu, 04/03/2008 - 23:25

( Posts: 9317 | Credits: )


Thanks Socks and Cannr....I really needed that. I have no idea what she is talking about. I could not even wrap my mind around this.
Today I have to call these yahoo's...several of them and tell them my check was less than expected and I cannot come in there with the money they are expecting...that I will have to set up a longer and slower paydown...which is true. I think they only paid me straight time for an extra day I worked. My husband even said that the worst these guys can do is take me to court....then I will make payments.
I just wish this whole mess was over.


lrhall41

Submitted by egyptcrossarabs on Fri, 04/04/2008 - 06:59

( Posts: 257 | Credits: )


egypt, you are doing great and you instincts are good too. I know things are difficult right now. Trust yourself. Did you try to set up an epp and they would not work with you or did you default first? If you tried and they refused, you can file a complaint with the CFSA. Hang in there. You have learned so much.


lrhall41

Submitted by RoxyNY on Fri, 04/04/2008 - 07:33

( Posts: 4178 | Credits: )


Unfortunately I defaulted first, but when I called her I told her that my account had been closed. She just keeps telling me to rewrite, then another says I have done a criminal action? Writing them a check on a closed account. They all want more than I can give them and I am still trying to get out letters that say I need to make payments. I am really freaking out today.
But I spent a half hour on the phone with the gal at my bank and talked to her about tht certified check. She is a Godsent. What they do is come into the bank with your check, then cash it for a certified check...which I am not sure means anything...why do not they get cash? Of course, if the account is closed they can do neither? Does not really make sense to me?


lrhall41

Submitted by on Fri, 04/04/2008 - 08:39

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