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Checking acct. closed?
Checking acct. closed?
Ran into some bad luck. I had been overdrawn in my checking acct. like $262. I had lost my job, just got a new one but too little too late. I have a check from my job for $157 and I could swear I have another down there for my training week b/c I thought we got paid every two weeks but it's actually every week. So I should have a check for that first week that I didn't know about. That check should be like $80 - $110.
Anyway my bank closed my checking acct despite me explaining and saying I could pay it off all the way in another week. I even made a payment on Tuesday.
Anyway, my savings account is still opened. As is the credit card acct I have with them.
So anyway, what's next? Do I go down to my bank, and make payments still? I'll have everything paid off this Friday. Or should I wait for them? Or did they hand over my debt to a collections agency so I need to wait for them?
But then how do I get the $ to an agency? It's all in checks n have no checkings.... thanks!
Answers:
OC1999: You are going to have to pay this money eventually. So the best thing to do is pay the bank as soon as you can(Friday). But you need to call them ASAP and let them know you are going to do this.
If you do not communicate with them they will think you are not going to pay and turn you over to a collection agency immediately(if they have not already done so). Even if they have turned you over to a CA if you can make arrangements to pay them on Friday they may still be able to pull the account back. But again this is something you need to talk to the bank about.
2008-03-15 09:50:21