The other issue to be dealt with is the fact that there is someone out there with access to your bank account, and what we need to do about that.
It may be that once you file bankruptcy (or even if you dont) the lender will never try to negotiate the check. After bankruptcy, they are prohibited from doing so. But it still happens occasionally, and while the law offers remedies, in my opinion this is one case where an ounce of cash in a hour loans is worth a pound of cure. Closing your bank account is one answer, but account now cash loans banks check credit reports to open new accounts, I recommend that a new account be opened before the old one in closed, just in case.
If there are only one or two such checks outstanding, it may be worth paying the stop payment fees to make sure that the checks are not cashed.
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