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An acquantance issued the check as part of a loan to me. I don't know why the check was returned, as I have not seen it or a copy of it.
I called the bank, when I saw my account was negative. They gave a vague answer, "we cleared the check, then we didn't because of something with security." No police visits or FBI. I live out of the country, but when I recently visited, I had no problems.
This happened in September 2012. I have made various requests to the bank, to provide me with a payment plan. They have put it in collections, and labeled the account a fraud account. They never return my request for a payment plan.