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How Can I Protect Myself From Being Sued Over a Bounced Check? – Carl

“Dear Steve,

How to protect myself from being sued by a private out of state bank for a check I deposited into my account from an individual that bounced after I had already closed my account not knowing the check would bounce. I have no money or assets and am currently living with relatives on unemployment. Or what should I expect to happen. Any advice would be helpfull given I can’t afford an attorney.


Dear Carl,

How much is the check for?

Hopefully you learned that deposited funds are not guaranteed till they have cleared. No sense wasting a perfectly good mistake when we can learn from it.

Please post your responses and follow-up messages to me on this in the comments section below.

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About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • Carl

    The check was for $3,305.00

    • Steve Rhode

      I don’t think there is much doubt you owe the money so your logical options are:

      1. Do nothing and let the bank sue you and deal with it when you get back on your feet.

      2. Work out a payment plan you can afford to start making payments on it.

      3. Consider bankruptcy to discharge all your current debts and get a fresh start.

      • Carl

        In my opinion the right thing to do is 1. or 2. and the problem or trend this country faces even more so in today’s society is 3.

      • Steve Rhode

        The right thing to do? I think this is not a matter of right or wrong but what options exist and have a reasonable chance of success.

        If you’ve found yourself in a hole, and it might just be this is not your only debt, then the only legal intervention option you have is

      • Carl

        Thank you for the input and your time. You are very helpfull!

      • Carl

        Costly,but honest mistake. Lesson learned!

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