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See, I have my own creditor to pay. I can't neglect my creditors or will loose things. Like truck, motorcycle, ect.. They expect there payment also. If fail to pay, we are on foot. No way to get to doctors, store, ect.. AlleyOoop, I am not telling you this, to make you feel sorry for me. I am telling the truth. We are barely making ends meet. Some bills are being made late. We was $700 over drawn, 2 months ago. I took over the finances, now we are $150 over drawn. We have overdraft protection of $700.. But I am seeing the light at the end of the tunel- where we will be not in the negative. Wife is a manic depressive and over spends the check book.

But anyhow, it may come to making an arrest of my son, to get him to start paying. I told him over the phone( him in Ohio and me in Missouri) to put the money back in the account. His friends talked him into spending it. Now, no way to pay it or don't want too. Simply I do not care if he goes to jail, because it was wrong. But I want him to take responsibility too. He spent the money, so he can repay it. But it will affect me too. Like I said, my being affected is more civil and not criminal. It just affects me in credit, checking, and ChexSystem.

See, even Social Security over paid us, because we had the boys added on, and thus got a over payment of $2000. The $2000 came in slowly but over time, it was $2000. So the Social Security Administration wanted paid back, but said if it was to big of a hardship, that it would be wiped clean. We signed the form, and it was wiped clean. But this case, fraud was involved. But from whom? The disabled parents or the son? The son is 26 years old. I had a stroke and am partially paralyzed still. So I am not able to earn money- that is why I draw SSDI. It looks like son took advantage of disabled father also and bank could make us pay for son's mistake.

Again, I say AlleyOoop, Section 207 of the Social Security Act does not even give a bankruptcy judge permission to order someone on Social Security to pay a creditor. So is the bank above the law?

I had nothing to do with my son cashing a counterfeit check.. The signature on the check will tell the bank whom to go after. Yes, the bank could have my son arrested, perhaps. But the bank could not have me arrested, because my signature is not on the check. The bank could go after me in a civil lawsuit, report my son and me to ChexSystem for 5 years, destroy credit and stopping from opening any future accounts so long as the new bank accepts ChexSystem, and report to tele check so we can't write checks to stores and gas stations.

My son is in Ohio and I live in Belle MO.. So there is no way, the bank thinks I had any involvement in this fraud. Yes, if they don't get the money back, than the could sue me civilly, But can't take our house- rent, can't take our furnishings because half the stuff is given to us, can't take our only vehicle- even in bankruptcy you are allowed one vehicle, so this is a no win for the bank. Even one house can not be gotten by creditors thru bankruptcy. I was not born yesterday where I don't know my rights. I do understand rights under bankruptcy because I went thru it in 2003. They could take my 250cc scooter perhaps, but I would get another scooter.

If I drew SSI, not even the federal government could access the account for garnishment. SSI is supplement income for people living below poverty line. SSI comes from federal and state income. It is meant for people living below poverty or at poverty levels.

But my son.. Did he do something illegal by spending the money verses putting back into Bank of America, as we told him to do?

Son got a check in the mail, that was a counterfeit check scam. They mailed him a $2200 check and told him to cash it and send some funds to Nigeria. My son deposited the check in his Bank of America account, which has my name also attached to it because he was overseas in Afganistan for a year in the service. So anyhow, he cashed it and sent money Western Union to Nigeria. He than got reading online, about how scams request victims to send money overseas and the checks are counterfeit check. Meaning the $2200 he deposited was no good and he just sent the scammer money without knowing whom he was. Meaning to the bank would hold him accountable for the money.

Well, anyhow he figured out it was a scam and went to Western Union to retrieve the money, by saying it had the wrong info on it. Somehow, Western Union got all the money back. So my son had $2200, to place back into the bank. We thought that was what he done, but instead, he bought new G4 Phones, new furniture, new garbage.... So now it has been one month. We started telling him, he must make arrangements with the bank and start paying back the $2200 he spent. That if the bank feels they are not going to get their money, they can still call the police and may have him arrested for fraud.

He tells us he has setup an arrangement- pays every 2 weeks $300 until paid off. We waited a few weeks and he still done nothing. We call back and he says, he is waiting on his income tax return to pay it. I said, you would be lucky to get $400 back, thus you are better to keep your agreement, on Facebook. He got sore that I wrote his finances over Facebook, and started trying to make it look like the money went on $45 worth of baby things, a new couch, ect to justify spending money that was not his. Said something about going to get $6000 back from income tax.. Well he is barely going to get $100 back.It is what he said, the next day. It is because he only worked part time jobs. The bank is not going to wait forever and he can still end up in jail. I am worried also, because since my name is on the account also, well the bank can take civil action against me. They can do also, report to ChexSystem to ruin my credit, I would stay on the ChexSystem for 5 years, they could inform tele check so I could not write checks to grocery stores, gas stations, ect..

They say they will garnish wages and dip into my account if need be, but I don't bank with them and my check is SSDI. The only people that can dip into my account, is the federal government- like the IRS for taxes.. But the bank can't and my bank would protect my interest to see Bank of America don't touch it. So the only person Bank of America has to go after, is my son. He cashed the counterfeit check and did not take my advice to return the money to Bank of America. He decided to spend it. He was talked into spending it, by people he stays with. So what would you do over this?

Started scooter today... first time in over a month. It had been down to 0 or lower, so the battery was drained. MY scooter is parked outside covered with a tarp... have no garage. I could not find my battery charger, due to the move, so I put jumper cables on our pickup and the scooter... it started right up. Let it idle some to charge battery. Cant ride it, due to permit is expired. A cop would let me go with a warning, if it was a 49cc scooter, but mine is a 250cc scooter... I think they would frown on that. It is going to be in the 50s and 60s this weekend in MO. Warmer days are coming.

I have been learning how to type with a mouse verses a keyboard over an ipad. It is getting a little easier. I had trouble signing in. It would not accept my password. I just had trouble telling capital letters over small letters. Now got it figured out. Really dont explain it well in the ipad manual. Got to recall it is a China made ipad. They are still harder than a computer. Example I can not download photos. Do not know if there is a trick or what. But feel I can write.