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Post by rockynv on Mar 5, 2014 12:53:19 GMT -5
The bank has an army of lawyers and if your son cashed a bad check and did not have the funds to cover it then the money is owed back to the bank who cashed the check by the holders of the account it was cashed against. The banks lawyers will go after you in any way they can be it a lien against your house, life insurance policy, any other bank accounts, etc. When you have enough equity in any of these items to cover the check you can be at risk to pay back the lien with interest which by then may be quite high. Also on your son's part depending on what his function is in the Armed Forces he could be in violation of regulations by having done this and loose any clearences or possibly get discharged if his CO or SO of the base finds out.
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Post by PCBGY6 on Mar 5, 2014 13:31:40 GMT -5
Not trying to be rude but you seem to want advice but only of it's what you want to hear. You and your son can face civil charges and he may face crimal charges (theft by deception) because he knew it was a scam and kept the money for himself.
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Post by JR on Mar 5, 2014 13:54:55 GMT -5
I see this conversation as a dead end. Long story short your son is now scamming people who in good faith gave him money for a bad check.
Now I see it as someone who is trying to dodge responsibility of paying the people who did you right, doesn't matter if they can or cannot come after you, if you put your name on a account with him then you need to either take action to make him do the right thing or as we say in a poker game anny up.
Myself since he's gave all these BS excuses to "not" pay these people back I would give him 3 days to pay them back or call his CO and let them know what is going on. I promise they will take care of it even if he's in the brig while they are doing it. If he is in the services and they find out his offense could lead to a court marshal and DH discharge, seems someone needs to wise up.
JR
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Post by alleyoop on Mar 5, 2014 14:23:56 GMT -5
Thank you guys, even if you own your own home paid in full the town or goverment can take your property. They will pay you what they think it is worth USUALLY much less than if you sold it yourself, but you just got evicted after paying for 30 years on that house. Alleyoop
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Post by UniqueSP on Mar 5, 2014 15:02:26 GMT -5
I use to get those fake checks probably 8 a week. A long time ago i posted on a site that i wanted to buy my own island and who wanted to donate to my fund lol it was a joke but quickly i got people sending me checks every single day via UPS OVERNIGHT. I knew they were fake. I would take them to these check cashing places so they could use them in training new employees to spot fake checks. Everyday i would go there and they could not believe that i was getting so many checks. Probably got in total over 200 checks until I moved to Puerto Rico. Once i decided to mess with one of the guys who sent me a check and told him i cashed it and i was not going to send him anything that i was going to spend it all and he got so pissed and was cussing me out that he wanted his money. lol It was pretty funny.
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Post by rockynv on Mar 5, 2014 17:16:45 GMT -5
I see this conversation as a dead end. Long story short your son is now scamming people who in good faith gave him money for a bad check.
Now I see it as someone who is trying to dodge responsibility of paying the people who did you right, doesn't matter if they can or cannot come after you, if you put your name on a account with him then you need to either take action to make him do the right thing or as we say in a poker game anny up.
Myself since he's gave all these BS excuses to "not" pay these people back I would give him 3 days to pay them back or call his CO and let them know what is going on. I promise they will take care of it even if he's in the brig while they are doing it. If he is in the services and they find out his offense could lead to a court marshal and DH discharge, seems someone needs to wise up.
JR Exactly. Even working with someone who has done this at a military base and not reporting it can have consequences too. I have been interviewed about similar concerns about others by the SO and its not fun being personally interviewed by a Colonel asking you questions about your buddies personal finances and general attitudes about honesty, ethics, morals, etc especially when there is the Sargent at Arms waiting at the door. I sure was glad that I was blissfully unaware of what they suspected he was involved with and was only there as a character witness. Turned out to be nothing serious in that case however it was handled in a very serious manner. You don't want to know what it feels like when a Sargent at Arms comes and tells you to drop everything because the Colonel (facilities SO) sent him to bring you to be interviewed by two Generals and an Admiral right now.
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Post by UniqueSP on Mar 6, 2014 7:48:13 GMT -5
Had a friend who owed money to i forget what bank and the bank called his CO (he was in the NAVY) His CO went straight up to him and said PAY THE BILL OR I WILL TAKE IT OUT OF YOUR PAYCHECK! the CO was pissed! and yup he did.
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Post by scooter12 on Mar 6, 2014 14:26:26 GMT -5
Now just foundout from my bank, that there is no way Bank of America could get to my money. That it was only a bluff by Bank of America. That only SSDI goes into my account with Wood & Huston Bank and it is protected by government interest. It comes from the Treasury and directly deposited... Bank of America would need my consent to take any money out of my account. They don't have my consent.
My son supposedly paid $200 on the 4th of March. We are going to check his account on Friday to see if he is telling the truth, because he has lied to us a lot over this issue.
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Post by scooter12 on Mar 6, 2014 14:38:31 GMT -5
He is in the National Guard, and we thought of this too. Have not done it yet, but will if he stops paying. He only is there 1 weekend per month and gets about $200 per month. But all that matters to me, is he repays it, since he spent the money. $2200 is a lot of money, and why he spent it, is beyond me, especially when we told he to place the money back into the account. It went quickly too and now is harder to repay.
Think of this... he expected $8000 back in income tax return- got back a lousy $100.. He makes probably $600 every 2 weeks at McDonalds and $200 monthly from National Guard. Has other payment like rent, electric, phone, cell phones, ect.. So is in a world of hurt now. But he done it to himself.
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Post by JR on Mar 6, 2014 17:47:58 GMT -5
Question? He made a total of 18k with both jobs and even if he had children and got earned income credit, there is no way he would have got 8k back in taxes?
How could he think this and how could you believe it?
JR
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Post by tarkus on Mar 6, 2014 19:25:27 GMT -5
Question? He made a total of 18k with both jobs and even if he had children and got earned income credit, there is no way he would have got 8k back in taxes? How could he think this and how could you believe it? JR Good question..... Of course the OP thinks this is the best place to get legal advise so leave it up to your imagination. He should check here where I get my scooter advise...... forum.freeadvice.comwww.expertlaw.com/forums/TwIsTeD
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Post by scooter12 on Mar 6, 2014 21:04:50 GMT -5
When my son wrote over facebook, that he was going to get $8000 back in income tax, I wrote that he would be lucky to get $400 back. That he worked in MO and Ohio, thus he would have to pay into both States. That while in MO he was only working part time- 20 hrs per week at McDonalds and part time for the National Guard. That there was no way he would receive $8000 back, so thus he had best keep his word with Bank of America and pay $300 every 2 weeks as promised. My son filed his taxes the next day and foundout, he was only receive a little over $100..
I never said I believed my son. Already breaking his word with the bank, waiting on income tax to pay Bank of America, well it was foolish and stupid. Bank of America gave him a deadline- 3 months to pay back the money. He wasted the first month by waiting on a tax refund. Now only has 8 weeks. $200 x 4 payment due dates is only $800.. So he is not going to meet the deadline. Only $200 in 6 weeks has been paid back. If I were the bank, I would have already sent the police to his home. I would have checked with Western Union to see if that money was sent, like he claimed.
Now I know the bank can go after me through civil court, also. Can report it to ChexSystem, report to credit bureau, ect.. That is why I am on my son's butt, to pay it as promised. We called him on a lie the other day. But that is all he is good at. Lieing.. So my wife told him a lie. Said the police from the town he is in, called up here, to findout about him. That he best start paying the bank. He claimed the reason for telling us a lie, was because he did not want to worry us. But we have caught him in so many lies that it makes me wonder what he isn't saying to us. It makes me angry.
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Post by rockynv on Mar 7, 2014 0:34:46 GMT -5
Now just foundout from my bank, that there is no way Bank of America could get to my money. That it was only a bluff by Bank of America. That only SSDI goes into my account with Wood & Huston Bank and it is protected by government interest. It comes from the Treasury and directly deposited... Bank of America would need my consent to take any money out of my account. They don't have my consent. My son supposedly paid $200 on the 4th of March. We are going to check his account on Friday to see if he is telling the truth, because he has lied to us a lot over this issue. While they can't take the money without going to court they can put out liens against your bank account and any chattle property that you have any equity in. If they put a lien on your bank account for the $2,200 plus any penalties and then you will be locked out from withdrawing the last $2,200 + penalty fees from your account. The money will still be there however you won't be able to access it either until you or your son pay off the lien and the lien is then removed. If you have a lien against you then you get dinged on your credit rating too. If the lien is on your house then you can't sell it without paying off the lien first. If you die before the lien is paid off then it will have to be paid off by the executor of your estate before your assigns can get their inheritance. They don't need your consent to do this and can effectively lock up enough of your assets to cover the debt until this is payed back or gets vetted out through the courts.
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Post by bandito2 on Mar 7, 2014 11:02:42 GMT -5
OP, Seems you are the one in trouble and looks like even more down the road unless and until you get that account so that it is only in your name. You don't help ANYBODY including yourself when you enable others to continue to get into trouble at your expense. (not only in $$, but in grief & aggravation as well) Just saying
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Post by spunn on Mar 10, 2014 22:41:23 GMT -5
This is actually really simple, HE IS IN THE MILITARY, all the bank has to do is press charges, then you get sued, he will get charged under civil, the UCMJ, then the government WILL and has all rights to take his pay in full until payed. Not jus 25% like most civilians but ALL. They have this right being they provide housing and food and everything else is considered privilege.
So simple, he don't pay he does civilian jail time plus fee, then after he see's a military judge, then Fort Lenny more fines and now kicked out of the military. I will tell you from one service member we have NO respect for that.
Hope he does the right thing.
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