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I was selling my bike on craigs list, I deposited the check in my bank account I was told by the other person who sent the check that the checked had cleared his bank and so I called my bank and they told me their was still a hold on the check so I waited another 4 days and then my bank told me that the checked had cleared and it came off of hold and so I withdrew some money to send via western union to the guys shipping company and now my bank tells me that the check did not clear and it was returned for ALTERED/FICTITIOUS ITEM so what can I do.
Optional Information: State/Country relating to question: Georgia Already Tried: talking with my bank about this problem
This sounds like one of the common scams being run where someone offers to buy something and sends a check for more than the sale price and asks for the seller to send money back to them for some reason. The problem is that between you and the bank you are liable for this money. You are now going to have to contact the police where this person is located and file criminal charges for theft by fraud to seek to pursue them, if they even used a real name and address. Also, if they used a real name and address, you could sue them for the reimbursement of the money. If they used fake names and addresses as they so often do in these scams, then I am afraid legally there is no recourse other than reporting it to the police for investigation.
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do you know if their is any type of insurance that covers thisdoes my idenitity fraud or theft policy that I have cover any of this
Unfortunately, typically there is no insurance that covers this. Identity theft policies cover someone stealing your identity. You can report it to your bank as fraud and some banks have fraud protection besides identity fraud, but most do not.
Experience: Attorney experienced in commercial litigation.