About a year ago, I opened a joint bank account and the co-applicant deposited a payroll check. Assuming the check was good, bills were sent out, but only to find out that the employer of the coapplicant couldn't support the amount nor payroll for a hand full of other employees. Several over draft fee's were applied to my account. So being the head of the account, I was then legally responsible for the amount of the co-applicants payroll check, in addtion to several over draft fees. I have tried, but cannot open an checking account with banks without comfermation that the co-applicant has assumed responsability, as he has claimed to have. He has also stress that the employer was addressed in court and that she was found not responsible for paying it back or redepositing it."so he says"and issue has not been resolved. I would rather pay a lawyer a , hopefully smaller amount, before taking responability.Should i go ahead and start to make payments or waite for a lawyer?
2006-11-30 07:51:53 · 4 answers · asked by natalie g 1 in Business & Finance ➔ Credit
NO do not get attorney! You can take this to court yourself! SIMPLE go to the court house and it might cost you 20.00 for the file form! see the judge and have him stamp approval for ya
DO NOT get all stressed
2006-11-30 08:14:35 · answer #1 · answered by gallagher g 4 · 1⤊ 0⤋
The problem you are having with the banks will not go away if you pay this amount.
Banks will check your bank account history against a company like Checkfax before opening the account. If negative information is present, you will be barred from opening an account. This will occur even if the account is paid off.
The good news is that there are some banks that give "second chances" to people with this on this specific record. US Bank is one of them, which is national. Also Mercantile Bank of Florida will do it, as well as Carolina First, in the Carolinas.
You can simply call a couple of local banks and see which will allow you to have a record, but still open an account. If you find one and they still won't do it, you can see what other kinds of problems are hurting you.
Oh, yes. As the primary, you are responsible for the charges. It sounds like you could sue the company that bounced the checks, but it doesn't sound like they would even have the money to pay you back if you won. It does not sound like you could sue the bank.
2006-11-30 08:37:51 · answer #2 · answered by Anonymous · 1⤊ 0⤋
You should seek the advice from an attorney. Depending on your income, you may qualify for free legal services. Check your phone book for a legal services agency in your city/town. If you do not qualify for free legal services, most lawyers will give you a free consultation which is probably all you would need to help you resolve your issue. Good luck.
2006-11-30 08:43:13 · answer #3 · answered by Me, Myself & I 4 · 1⤊ 0⤋
For quick free answer try this website-
www.lawguru.com. You can post a question for free and get up to four lawyer answers by email.
They were a big help to me.
2006-11-30 10:01:29 · answer #4 · answered by upside down 4 · 0⤊ 0⤋