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  1. #1
    maisteas is offline Junior Member
    Join Date
    Dec 2008
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    i wrote a bad eCheck

    What is the name of your state (only U.S. law)? NJ

    A week or so ago I made a $2000 deposit into paypal from my bank account even though i did not have the money available. It went through and I had the money in my account so I ordered a computer online.

    I dont know what I was thinking. I though it would just put my bank in the negatives and then go to collections and I'd have to make payments to them. After doing research I am worried. I didnt know how serious this was and I highly regret doing it.

    Should I get a lawyer? I haven't spoken with my bank or paypal since then.

    Can (and do you think) my bank will pursue criminal charges? Or will they just send it to collections?

    I'm not even sure who I owe now. I have been too afraid to log into paypal and in my bank account. Since the deposit went through and was available on paypal Im assuming my bank is now negative $2000 and that I owe them.

    I don't know what to say when I call. "Hey...I needed a computer and decided to see if writing a bad eCheck would work - and it did. I'm sorry I hope we can work this out"

    I'm such an idiot. I don't have any priors (other than gettign arrested for underage drinking at 18...is that considered one?)

    What should I do?

    In all honesty I had this problem once before with gambling a few years ago. Same thing.

    I want to get my life together. Ive made a bunch of stupid choices.
  2. #2
    Antigone* is offline Senior Member
    Join Date
    Dec 2007
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    In honor of JetX ~ Somnambulist University
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    21,221
    Quote Originally Posted by maisteas View Post
    What is the name of your state (only U.S. law)? NJ

    A week or so ago I made a $2000 deposit into paypal from my bank account even though i did not have the money available. It went through and I had the money in my account so I ordered a computer online.

    I dont know what I was thinking. I though it would just put my bank in the negatives and then go to collections and I'd have to make payments to them. After doing research I am worried. I didnt know how serious this was and I highly regret doing it.

    Should I get a lawyer? I haven't spoken with my bank or paypal since then.

    Can (and do you think) my bank will pursue criminal charges? Or will they just send it to collections?

    I'm not even sure who I owe now. I have been too afraid to log into paypal and in my bank account. Since the deposit went through and was available on paypal Im assuming my bank is now negative $2000 and that I owe them.

    I don't know what to say when I call. "Hey...I needed a computer and decided to see if writing a bad eCheck would work - and it did. I'm sorry I hope we can work this out"

    I'm such an idiot. I don't have any priors (other than gettign arrested for underage drinking at 18...is that considered one?)

    What should I do?

    In all honesty I had this problem once before with gambling a few years ago. Same thing.

    I want to get my life together. Ive made a bunch of stupid choices.

    This post sounds vaguely familiar.

    You know you didn't NEED the computer - you wanted it. It's people like you who deserve everything that comes their way. Too bad the bank probably won't file criminal charges against you - they should.

    Call your bank, talk to them. Call Paypal talk to them

    Take your licks.
  3. #3
    Country Living is offline Senior Member
    Join Date
    Feb 2006
    Posts
    1,834
    Quote Originally Posted by Wirelessany1 View Post
    This post sounds vaguely familiar.
    What are the odds of two posts being so similar?????

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