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  1. #1

    Default Cashing a Check at a Bank with an Unsatisfied Judgment

    My question involves collection proceedings in the State of: Washington I live in Arizona and have an unsatisfied judgment against me in the state of Washington. I want to cash a check in an Arizona bank from the Washington State Dept. Of Revenue. Since it's an out of state check they will have to hold it for several days to verify it. During that time, can they confiscate the check because of the judgment?

  2. #2
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    Default Re: Cashing a Check at a Bank with an Unsatisfied Judgment

    Possibly, yes.

  3. #3

    Default Re: Cashing a Check at a Bank with an Unsatisfied Judgment

    Could this also happen if I cashed the check at a "check cashing place"?

  4. #4
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    Default Re: Cashing a Check at a Bank with an Unsatisfied Judgment

    Ask the "check cashing place" to explain its policies to you.

  5. #5
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    Default Re: Cashing a Check at a Bank with an Unsatisfied Judgment

    I suppose it's pointless to ask where is the harm in paying the debt...

  6. #6
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    Default Re: Cashing a Check at a Bank with an Unsatisfied Judgment

    Quote Quoting controlvoice
    View Post
    My question involves collection proceedings in the State of: Washington I live in Arizona and have an unsatisfied judgment against me in the state of Washington. I want to cash a check in an Arizona bank from the Washington State Dept. Of Revenue. Since it's an out of state check they will have to hold it for several days to verify it. During that time, can they confiscate the check because of the judgment?
    CAN they?

    Sure.

    Will they?

    Unlikely.

    The judgment creditor would first have to know that the bank is holding the check to verify funds and then will have to file in an AZ court in order to levy the AZ bank account. I can't imagine that happening within the few days it takes to verify funds.

    - - - Updated - - -

    Quote Quoting controlvoice
    View Post
    Could this also happen if I cashed the check at a "check cashing place"?
    I suppose it "could" happen given the right set of circumstances.

    But it's even more doubtful than the bank scenario.

  7. #7

    Default Re: Cashing a Check at a Bank with an Unsatisfied Judgment

    I know I'm pushing the envelope with all of these questions and you're all reaching the breaking point. No, it's not pointless to ask what is the harm in paying the judgment, that would be the preferred option if it were feasible at present. What I'm really getting at is, I don't understand how the collection process in this situation works. I tried to cash this check at four different places and was turned down at each, for different reasons by each. The amount was too high, I didn't have an account, it was an out of state check, it was drawn on a different bank, I didn't conform to Walmart's desired "check cashing profile". I finally found a place that said they would "try" to cash it, but they would have to hold it for possibly TEN days to clear. How much could happen in ten days? Does the bank or check cashing company do "research" on me that would reveal the unsatisfied judgment, and then refuse to cash the check, even if the creditor is not at that moment aware that they are holding the check?

  8. #8
    Join Date
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    Default Re: Cashing a Check at a Bank with an Unsatisfied Judgment

    How much is the check for?

  9. #9

    Default Re: Cashing a Check at a Bank with an Unsatisfied Judgment

    The amount is $1092.09.

  10. #10
    Join Date
    Jan 2006
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    Default Re: Cashing a Check at a Bank with an Unsatisfied Judgment

    I suspect given the payee of the check you don't have anything to worry about. If the judgment creditor has not filed an appropriate lien on payments from the state to you (such as tax returns), there just isn't a way to seize the funds when you cash it.

    If the judgment creditor had a right to place a lien on payments from the state, you never would have gotten the check to start with.

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