Consumer Protection Law
Consumer Protection Law Questions? Ask a Lawyer Now.
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If the check is payable to you only and the lender is not listed as a payee then it is your check to spend as you want.
The only limitation is if the lender is listed as a payee on the check. Then you would need their consent to cash the check.
Yes, the check is yours. The bank can sue you for any money they are owed, but if they are not the payee then it is not theirs to claim without a court order.
They can sue you for the repair cost. If the check is made payable to you and your father then you can cash it. You can not forge another payee's name. So if it is just you and your father, and your father will sign off, then you can legally cash the check.
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