NSF's Due to PDL's
Date: Tue, 06/09/2009 - 20:39
This is really hard. Right now my bank account is in major overdraft due to PDL's and another check I wrote. My bank originally covered three of the checks/withdrawals, but now I am in pretty hot water. Not sure how to handle this.
My bank account at WF is negative almost $1300 due to what the bank covered and NSF's. I don't have any way right now of paying down the account--my new contract at my job doesn't start until August and I don't have a summer job yet--and don't know when or if I will get one. So I am pretty freaked out. Plus I have two PDL's breathing down my back.
I will probably have to declare bankruptcy, due to credit cards and other bills that I have, but won't be able to do it until August or September. Meantime, not sure how to deal with the bank and the situation. Any suggestions? I don't know from a legal perspective how my situation will be treated--I live in Arizona and the bank is Wells Fargo.
I've had some problems with NSF's over the last year--done a pretty poor job of managing my money and have a lost a lot of money in the process. This just feels so overwhelming . . .
My bank account at WF is negative almost $1300 due to what the bank covered and NSF's. I don't have any way right now of paying down the account--my new contract at my job doesn't start until August and I don't have a summer job yet--and don't know when or if I will get one. So I am pretty freaked out. Plus I have two PDL's breathing down my back.
I will probably have to declare bankruptcy, due to credit cards and other bills that I have, but won't be able to do it until August or September. Meantime, not sure how to deal with the bank and the situation. Any suggestions? I don't know from a legal perspective how my situation will be treated--I live in Arizona and the bank is Wells Fargo.
I've had some problems with NSF's over the last year--done a pretty poor job of managing my money and have a lost a lot of money in the process. This just feels so overwhelming . . .
WF can at the most sue you to the court to bring judgment agains
WF can at the most sue you to the court to bring judgment against you or sell your debt to a collection agency. Now, if you file bankruptcy, you can include the debts and the judgment in the bankruptcy. If you don't have a job, and you're not in a position to pay off your debts, I think that you can qualify for Chapter 7.
this forum should be able to help you more http://www.debtcon
Submitted by Mary Adkins Matthews on Wed, 06/10/2009 - 06:31
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