Bank account question (long sry)

[70707Bride]

Ok, my "ex" best friend/MoH is in a bad relationship (as some of you may know). They both have no jobs, she still spends money from her checking account. For the past week, she's been getting something from the bank almost everyday, today she got 3 things, one of which looks like a big fat letter. I know that she's in the overdraft, which is completely not like her. She's always had a nice cushion, but its different now that she has a controlling bf! She thinks her relationship is perfect.

So I gave in and called her to tell her that she got 3 things from the bank today (this was about 10 minutes ago). 2:30, she was still asleep and I woke her up. Told her she got some things from the bank, and thought she should know. She just said, "oh, okay". I said, "you're not spending money you don't have are you?", she 'lied' and said, "no!". By this time she was in a :censored: mood. She said, "I know exactly what's going on with my account! I need to call them!". I just said, "well if you're in the overdraft, and you don't pay it right away they keep charging you until you do".

Now, what I want to know is, what good would it do to call them? They're not gonna say, "oh, its ok, I'll give ya a break because everyone else in your life has". My mom works at a bank and she said they might close her account.

If the bill collectors, or whoever they are, come to her and she can't pay it back, what happens? Could she be thrown in jail?

[WhiskeyGirl]

Ok I'm going to say something and I'm not trying to be a pain in your butt, but, she is how old?? Probably over the age of majority right? And I've read alot of your "talking" about your friend! Sometimes you just have to let go and let people ruin their lives other wise they drag you down with them! Face it, there is no hope for her at this time...leave her be and let her hit rock bottom because she will never fix things until she does!!! Just let her be!

[70707Bride]

She's 21. I have tried to just let her go, but I gave in my calling her, because, although I know she needs to learn on her own, there is still a part of me that worries about her. The sad thing is, is that I don't think she'll ever learn.

[Orgirl1969]

If the account stays in overdraft, the bank will eventually close it, but that takes quite sometime. There won't be a second charge for the overdraft, but if they are checks and areturned for insufficient funds, the payee may run them thru a second time and if they still aren't good, there will be a second charge. If the bank closes the account in overdraft, they may try to recoup their money or eventually sic a collection agency to try and get the money back. Either way, not a good place to be. Dad's a bank officer and my daughter went through something like this about a year ago. She was expecting some money to be direct deposited in her account and spent it before she had it. She ended up with about 300 in fees and had to track down all the checks and pay them. One check ended up going to the prosecuting attorney's office and that added more fees to the final bill. NOT GOOD. Also, the part about calling the bank won't get very far. More than likely they won't do anything about the fees unless it was a bank error.

I agree with the others, you need to let this one go. It's not you and you can't live their life for them.

[racecargirl]

My sister stole my parent's credit cards and charged up a bunch of stuff. She didn't go to jail. I doubt your friend will go to jail, but her credit will be majorly screwed up. She'll probably have to file bankruptcy or get a loan to cover what she owes the bank. Sometimes you can work stuff out. My ex husband quit paying my car payment and it was scheduled for reposetion. I called the bank that we had the loan at and explained the situation and was able to work out a new payment plan with them. However my credit was messed up for a long time.

[70707Bride]

I've been in the overdraft about 3 times :bbredface: , only because I forgot to write something down lol. It sucked, but it was only $20 for each time. I'm trying to make sure I don't spend every dollar now!

[Panthers Bride]

Actually if she is KNOWINGLY writing bad checks, and it is a lot, it IS a criminal offense. It is a misdemeanor known as "simple worthless check." Also, if she knowingly writes a lot of bad checks, she COULD go to jail. Not only that, but it goes down on her criminal record, and since it's considered fraud, it could prevent her from getting a job. I'm in the staffing industry, and I've had to tell people they couldn't go to work for me because of just 1 simple worthless check conviction. Just my own $.02