[newfant]

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So all sarcasm aside what if i fell for this scam and i spent the money it comes back countereit i owe the bank as you say. What if i dont have 4500 to pay back what then

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If you have other assets, the bank may be able to get at those. If you don't have any other assets, then you are what is known as "judgment proof," and the bank's only other option would be able to go after the original scamster, who probably is nowhere to be found.