I have overdrawn money with Neteller, Firepay, and IGM Pay

[kyleb]

You'll be reported to ChexSystems, you'll never get a checking account (or other bank accounts, looks bad on loan reports too) again even if you pay them back, and collection agencies will come after you for the money and report it against your credit report.

Good job, retard.

[A_PLUS]

How much do you usually have in your bank account? Your bank may cover you, and just charge you an overdraft fee. I am an idiot when it comes to balancing my checkbook, and have had neteller deposits send my account into -$, but I make a pretty good living, and have had my paychecks deposited into my checking account for 6 years, so they know the longest they would have to wait is 2 weeks (which they never have to do). I would call your bank, tell them you accidentally overdrew your account, and tell them you are getting them the funds ASAP. Then sell whatever you need to, or borrow from whoever you need to, and get the money in. I would think they wouldnt contact the authorities immediately if you are up front with them, but avoiding their calls, will surely lead down an ugly road for you.

[Blowup Doll]

$1300 is nothing. Go to your bank and get a personal loan to cover it. They'll work with you unless you already destroyed your credit rating. Worse case, get one of those instant car loans. You might lose your car, but that's better than what's going to happen if you don't cover those checks.

[LeftyRuggiero]

I can pretty much cover it but I have $1000 in expenses coming up this month in the way of car repairs from a guy at work I know. I really need to pay this guy his money up front so I can get my car back. What are my options are there signature loan places that I could get a loan for a few months? I dont have good enough credit to get a loan so it would be like a payday loan type deal but, I would need like 3 months to pay it back and I need a grand quickly.

[Blowup Doll]

[ QUOTE ]
I can pretty much cover it but I have $1000 in expenses coming up this month in the way of car repairs from a guy at work I know. I really need to pay this guy his money up front so I can get my car back. What are my options are there signature loan places that I could get a loan for a few months? I dont have good enough credit to get a loan so it would be like a payday loan type deal but, I would need like 3 months to pay it back and I need a grand quickly.

[/ QUOTE ]

Well, you have to decide which is more important. That's your call. Your situation doesn't sound nearly as frantic as you made it out to be. It's more of a decision where to put your $1000.... car or debt.

[LeftyRuggiero]

So if I go close this checking account tommorow I should be fine as far as the bank goes? Do the accounts close immediately or does it take a few business days (I have Bank of America)? Then I will have some time to call NT, FP, and IGM and smooth it over with them possibly with a payment plan that will buy me a few months hopefully so I can get back on my feet. Luckily I have another bank account that I use as my primary checking account and was planning on getting rid of the BOA account anyday anyway. I am soooo praying this works out and I leave online gaming forever! Are IGM, FP, and NT foriegn companies? If they are I assume that it will make it harder for them to persue me giving me that couple of months I need to pay them back. I WILL PAY THEM BACK, I KNOW I [censored] UP!

[Blowup Doll]

[ QUOTE ]
So if I go close this checking account tommorow I should be fine as far as the bank goes?

[/ QUOTE ]
I would recommend NOT doing that. Closing the account signals your intent to refuse payment on a written check. Writing a bad check on a closed account is far more serious legally than writing a bad check on an open account. It clearly proves that you intended on cheating the recipient of the check.

[one_eye_mike]

I work for Citibank and I can tell you that companies being out of country have nothing to do with their ability to collect a debt. Your best bet is to come clean with all involved parties and make arrangments for reperations. The last thing they want to do is take action against you. That costs money, typically, with Citi anyway, we'd rather work out a repayment plan. Good luck.

[jman220]

[ QUOTE ]
I work for Citibank and I can tell you that companies being out of country have nothing to do with their ability to collect a debt. Your best bet is to come clean with all involved parties and make arrangments for reperations. The last thing they want to do is take action against you. That costs money, typically, with Citi anyway, we'd rather work out a repayment plan. Good luck.

[/ QUOTE ]

The differnece is though, this is largely unenforceable quasi-legal gambling debt. Its not the same as if OP had bought goods from a foreign corporation

[Mitternacht]

[ QUOTE ]
You'll be reported to ChexSystems, you'll never get a checking account (or other bank accounts, looks bad on loan reports too) again even if you pay them back, and collection agencies will come after you for the money and report it against your credit report.

Good job, retard.

[/ QUOTE ]

Actually you only stay in Chexsystems for five years. After that you can open up a checking account with on problem. Also, there are banks out there that will allow you to open an account even if you are in Chexsystems.