My wife wrote a check that bounced due to unforeseen circumstances. To make it short, it was turned over to collections in Washington State, Clark County. She was the primary on the account but I was added several months before the check or collection action. The collection action was against me and not her. It's on my credit report and not hers. They dealt with her (signer) but never pursued her for collections. It was paid off in full on 11/2005. I called the collection agency to find out why they went after me and not the person who wrote the check. I was told because, "your the man, you’re the primary on the checking account, I am not, because we had your SSN, because WA state is a community property state. Can they discriminate like that just because I am a man?
2006-11-05 07:55:47 · 4 answers · asked by Anonymous in Business & Finance ➔ Credit
The check she wrote was to Wal-Mart. Wal-Mart was trying to collect from her and not the bank.
2006-11-06 07:41:39 · update #1
As long as it was a joint account, they can collect from either or both of you. It may not be far, but it is legal. BTW, the answer you got from the collection agency is bogus.
2006-11-05 08:27:36 · answer #1 · answered by STEVEN F 7 · 0⤊ 0⤋
Since it is a joint account, they can try to collect from both account holders. It is not fair to you, but the bank wanted their money and go for the deepest pockets.
2006-11-05 08:09:05 · answer #2 · answered by Gone Golfing 2 · 1⤊ 0⤋
you expect them to act fairly and rationally? they probably realized it was a mistake and made some crap up to cover their butts. it should be on the primary account holders record. unfortuantely if its not then all you can do is submit a request in writing to have it investigated -- don't expect phone customer service people to do anything.
2006-11-05 08:05:04 · answer #3 · answered by Anonymous · 1⤊ 0⤋
Check-out this website for more information on bad check laws...
http://www.CreditManagementWorld.com
2006-11-08 07:19:50 · answer #4 · answered by nickdc1960 7 · 0⤊ 0⤋