Treehugger - Just a Thought!

[Freddy03]

I can't find your post about receiving a refund check from a company you had a judgment with but funny thing happened to me on Sat. I received a refund check from a judgment creditor (one who has not been satisfied). The check is under $20 bucks but what I think they are doing is trying to get me to cash it at my bank so when they receive the check back they have my bank info. I think it's a fishing scheme.

Now I thought in your post that you had multiple judgments with the same creditor - I wonder if they are trying to do the same thing?

So just a warning - I'd cash that check at a check cashing place and NOT my bank.

[tobee43]

wow freddy....what a THOUGHT!!!!!

i know in nj our grocery stores would cash third party checks, but i don't know about here in florida. also...if the check is drawn on a major bank and there is a local branch that's where i would get it cashed to be safe.

good point!!!

[frogger]

Cash it at the neighborhood liquor store while you're down there picking up supplies.

[Freddy03]

Now why would you think they would be sending me a check??? I owe them and they have just started garnishing DH's checks and put in a writ for me last week. Thankfully I have met an new BK attorney that I like and will be completing the means test and bk package on the 24th. And it looks like I'll be filing 07/15/11

[DYLAN150]

Well, if you cash the check, at least they have your address correct. I am told that bank information is sold by a company and that information is available in 5 minutes.

ChexSystems or Telecheck. If you’ve ever written a check in a store, or opened a bank account, the odds are about 99% that your application (or electronic check) went through ChexSystems or Telecheck. You’re in their database, and that means your creditors can just send a copy of the judgment and Chexsystems/Telecheck will fork over your bank account details.

[catleg]

That sure sounds like a trap to me. Endorse it over to someone else who doesn't have a judgment and have them deposit in their account.
Sign on the back like this:
Freddy03
Pay to the order of (another person)
(another person's signature)
(another person's account number).

[tobee43]

Cash it at the neighborhood liquor store while you're down there picking up supplies.

yeah, and don't forget the grey goose...and some jd for frogger.

[tobee43]

That sure sounds like a trap to me. Endorse it over to someone else who doesn't have a judgment and have them deposit in their account.
Sign on the back like this:
Freddy03
Pay to the order of (another person)
(another person's signature)
(another person's account number).

too funny!!

[treehugger1]

You folks continue to crack me up! I have no paranoia that the C-company is going to attempt to get money from my checking account at another C-company. I have done some further research, and discovered that the company that sent me the overpayment refund check has done this with other consumers here in Oregon. When the check was cashed, the OC re-opened the original credit card account. The state justice department wasted no time in notifying the OC of potential illegal activity. The OC then recanted and said the debtor would not have to pay back the money "refunded" to them. The amount for that case was around $500. My overpayment refund was nearly $1000. I already cashed and spent the money. I have an entire record of how all of this went down, including a recording of the consumer department representative telling me, "The check is a refund for overpayment (on a judgment.) The money is yours." If they want to "reopen" this CC account, then they will probably be in a world of pain given they already have a history of such shenanigans in Oregon. What is really funny is that I have a copy of the court document filed by the plaintiff's attorney stating the debt has been satisfied. A filing of satisfaction of judgment is required here.

On another note, the refunded difference appears to be the approximate cost of the legal fees in the suit. I can only speculate as to how stupid this OC truly is. The plaintiff's attorney appears to have already been paid. Yet, the OC refunds me what appears to be legal fees? And, I have a copy of original complaint, wage garnishment orders, and satisfaction of judgment. It might be fun to hear them attempt to explain this to our local citizen-elected county judge. Cackle, Cackle.