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

[tom10167]

Sorry dude I thought it was obvious I was being sarcastic.

-Don't follow any advice I gave you
-Your bank will probably just see this as a ISF or whatever like you bought a toaster but don't have the money in your account. I don't know how Firepay will handle it.

[Blowup Doll]

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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.

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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

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It's not a gambling "debt", as he was not borrowing money. He is not paying off a debt; rather, he was starting an account (or refilling an account). He wrote a bad check. Refusing to pay your debt to a credit card company, for example, is not a criminal action. Writing them a bad check is. Writing a bad check on an account that you rush to close before the check hits is clearly intentional. My sister the DA tells me the common penalty for this is between 25 hours of community service up to 30 days in jail.

[one_eye_mike]

I'd have to research it at work but I think the quasi-legal angle is irrelevant. One thing you can be sure of though, they won't get stuck with it. Worst case scenario, they'll farm it out to a 3rd party agency in the US.

[jman220]

[ QUOTE ]
[ QUOTE ]
[ 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

[/ QUOTE ]

It's not a gambling "debt", as he was not borrowing money. He is not paying off a debt; rather, he was starting an account (or refilling an account). He wrote a bad check. Refusing to pay your debt to a credit card company, for example, is not a criminal action. Writing them a bad check is. Writing a bad check on an account that you rush to close before the check hits is clearly intentional. My sister the DA tells me the common penalty for this is between 25 hours of community service up to 30 days in jail.

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The law of e-checks is very unsettled, and I'm not even sure that Neteller and Firepay are actually e-checks anyway. I interned in a major metropolitan prosecutor's office for 2 years and I never heard of a bad check prosecution for an e-check.

[Blowup Doll]

[ QUOTE ]
[ QUOTE ]
[ QUOTE ]
[ 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

[/ QUOTE ]

It's not a gambling "debt", as he was not borrowing money. He is not paying off a debt; rather, he was starting an account (or refilling an account). He wrote a bad check. Refusing to pay your debt to a credit card company, for example, is not a criminal action. Writing them a bad check is. Writing a bad check on an account that you rush to close before the check hits is clearly intentional. My sister the DA tells me the common penalty for this is between 25 hours of community service up to 30 days in jail.

[/ QUOTE ]

The law of e-checks is very unsettled, and I'm not even sure that Neteller and Firepay are actually e-checks anyway. I interned in a major metropolitan prosecutor's office for 2 years and I never heard of a bad check prosecution for an e-check.

[/ QUOTE ]

That may well be true. I'm not saying that he's going to be prosecuted or that they'll even do anything to wreck his credit. I'm just saying that writing a bad check is not the same as refusing to pay a debt.

[jman220]

[ QUOTE ]
[ QUOTE ]
[ QUOTE ]
[ QUOTE ]
[ 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

[/ QUOTE ]

It's not a gambling "debt", as he was not borrowing money. He is not paying off a debt; rather, he was starting an account (or refilling an account). He wrote a bad check. Refusing to pay your debt to a credit card company, for example, is not a criminal action. Writing them a bad check is. Writing a bad check on an account that you rush to close before the check hits is clearly intentional. My sister the DA tells me the common penalty for this is between 25 hours of community service up to 30 days in jail.

[/ QUOTE ]

The law of e-checks is very unsettled, and I'm not even sure that Neteller and Firepay are actually e-checks anyway. I interned in a major metropolitan prosecutor's office for 2 years and I never heard of a bad check prosecution for an e-check.

[/ QUOTE ]

That may well be true. I'm not saying that he's going to be prosecuted or that they'll even do anything to wreck his credit. I'm just saying that writing a bad check is not the same as refusing to pay a debt.

[/ QUOTE ]

I'm not disagreeing with you there, I'm just saying that what he did may not be considered a check, and may in fact be considered a debt.

[LeftyRuggiero]

My reason for closing the checking account would be to avoid the overdraft fees I have a positive balance right now but with this being 4 different transactions at $34 each which will have to be ran through twice this is going to cost close to $300 in overdraft fees which will just do me in farther. So bottom line if I close the account tommorow and contact all three companies am I still looking at legal action against me for closing the account?

[LeftyRuggiero]

I am not worried about Neteller or Firepay as they are the smaller ones and I have heard someone on here state that they owed money to Neteller and they moved it to a collection agency without looking for further legal action. The one I am truly worried about is IGM Pay which are checks and the one is fairly large at $600. I saw an earlier poster say he closed his account before the IGM Pay hit and I am wondering how they responded to it? Also it is clear I have a problem with online gaming which is illegal in America. I have to agree that I find it hard to see legal action coming from Party Poker (owner of IGM Pay I assume) who is an offshore business that attracts Americans to illegally play there. I am not trying to weasel my way out of paying this I just want to minimize the damage and pay them off as quickly as possible. I would honestly rather that I not have to pay close to $300 in overdraft fees to go along with the $1300 I owe these companies.

[Push_Fold]

First off, online gambling isn't illegal in America - YET.

Second, if that was a concern of yours why did you play in the first place?

[Ez949]

You have to hurry up and close the bank account ASAP. Then you won't get a bounced check charge and your bank will simply tell them the account is no longer open, so they will not be able to pay them. You will not have to pay back the bank, as your account is closed they won't even bother notifying you that this happened. You will however have your account suspended at the poker sites until you pay them back. I believe Neteller and firepay will also suspend you account. This could actually be a good thing for you, since it will actually force you to stop gambling at these sites since they will no longer allow you to. You may have to tell a litte lie to the teller at the bank though, since they will ask you when you're closing it if you have any outstanding checks.