Nope, you hit the nail on the head ! A bad debt is a bad debt and banks, credit cards and other companies bundle up their bad debt 'portfolios' and sell them off to bad debt buyers like Sherman Aquisitions OSI/GulfState, Asset Acceptance and 100's of others. These bad debt portfolios often also include out-of-statute debts, which is why 10 & 15 yr old debts turn up in the hands of some bottom-feeding collectors.
Have you tried to contact your bank ? If there was a dishonored check, there should be records of the bounce - IF it even happened.
Have you tried to contact your bank ? If there was a dishonored check, there should be records of the bounce - IF it even happened.