My question involves collection proceedings in the State of: Michigan
It was recently discovered that my mother had taken out large amounts of money via check at our local casinos totalling $5,000. She did not physically write a check, but she had a card that can be used in ATM'S that draws the money in the form of a check. The company that runs is this Global Payments.
The checks bounced and she has to repay the $5,000. She is on Social Security and has offered to start paying them $500 a month immediately to start paying off the debt. She was advised that she has to pay $1,700 a month for three months or she could be prosecuted or she could be sent to collections, they dont know. The first time she called she spoke with a rep who was very helpful and said they would work with her. When she was assigned to her actual collections officer, she advised they would not work with her and to pay up.
My hands are tied with this situation and I am trying to find out what can she do? If she only has $500 should she send it anyway? How can we get a straight answer as to if they will prosecute or if they will send her case on to collections? She wants to pay, but just doesnt have it all up front. Plus, since she didnt physically write a check and used a "card" is this still a criminal matter or is it civil? Global Payments keeps telling her it depends on her state, yet when she tells them she is from Michigan, they will not give her any more information to help.
I had now knowledge any of this was going on as we obviously would have stopped it, but now I dont know what to do to help her besides come up with the $5,000.
Thank you!
It was recently discovered that my mother had taken out large amounts of money via check at our local casinos totalling $5,000. She did not physically write a check, but she had a card that can be used in ATM'S that draws the money in the form of a check. The company that runs is this Global Payments.
The checks bounced and she has to repay the $5,000. She is on Social Security and has offered to start paying them $500 a month immediately to start paying off the debt. She was advised that she has to pay $1,700 a month for three months or she could be prosecuted or she could be sent to collections, they dont know. The first time she called she spoke with a rep who was very helpful and said they would work with her. When she was assigned to her actual collections officer, she advised they would not work with her and to pay up.
My hands are tied with this situation and I am trying to find out what can she do? If she only has $500 should she send it anyway? How can we get a straight answer as to if they will prosecute or if they will send her case on to collections? She wants to pay, but just doesnt have it all up front. Plus, since she didnt physically write a check and used a "card" is this still a criminal matter or is it civil? Global Payments keeps telling her it depends on her state, yet when she tells them she is from Michigan, they will not give her any more information to help.
I had now knowledge any of this was going on as we obviously would have stopped it, but now I dont know what to do to help her besides come up with the $5,000.
Thank you!
Credit / Debit Card Fraud: Overdrawing an Account Through an ATM
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