Whats the regs. on bad checks in georgia?

[ddbenefield]

What is the name of your state?Georgia

I just recieved a phone call from a check recovery agency telling me that I owed for a check that was bounced 3 years ago. The woman whom I spoked with said that if I didn't Western Union the money to them today by three o'clock, then she would have to send "legal papers" to the county that I live in. I explained to the lady that I didn't have the money right now, but I was willing to work some sort of payment arrangement, but she refused...is there anything that I can do to help myself?

[MominNJ]

Have her validate it. See this site for sample letters and read about what steps to take: [url]www.creditboards.com[/url]
Also it is illegal for them to threaghten you with a lawsuit unless they intend on doing it, so either A) she's filing the lawsuit or B) She's breaking the law.
Either way, the validation letter should buy you some time.

[pb1963]

Originally Posted by ddbenefield

What is the name of your state?Georgia

I just recieved a phone call from a check recovery agency telling me that I owed for a check that was bounced 3 years ago. The woman whom I spoked with said that if I didn't Western Union the money to them today by three o'clock, then she would have to send "legal papers" to the county that I live in. I explained to the lady that I didn't have the money right now, but I was willing to work some sort of payment arrangement, but she refused...is there anything that I can do to help myself?

Oh boy is she breaking the law. I just went through a similar issue with Check Care. Is that the company by any chance? If you have not gotten any correspondence from them I would do nothing. I would not even send the VL yet. I would however record every conversation or call. If it goes the way mine went you may never have to send them a VL, they may break so many laws that you can simply threaten to sue and they will leave you alone.

Let me know if it is Check care and I will give you some valuable information.

They are required to send you a certified letter explaining many things and you have 5 days or something to respond, but if they don't you don't have to do a thing.