Debts not reported on credit

[BigMouthWino]

Your account is likely floating around the junk debt buying universe somewhere right about now. At some point in the future you will probably be contacted by a debt buyer either by letter or telephone asking you to pay it off. It is highly unlikely that this debt is still owned by PNC/National City and will be set off against your deposited funds.

 

[MrJenkins]

Sooooo, open the account, leave in about $500 to cover the offset and pretend it is not there, when you live paycheck to paycheck. Open 2 accounts and put $500 in one, so it will be available if they do offset. This is not rocket science.

obviously you understand what it means to live paycheck to paycheck...