Last July my boyfriend's employer purchased a vehicle for us, totaling $6413. They kept the title and we were to make payments. About a month later the vehicle was totaled and appraised by the insurance company over $11,300, including what they could get for scrap, so they needed the title. They wrote two checks. One for $6413, the loan amount, written to myself and the employer, requiring two signatures and the difference to me. I signed the loan check and gave it to my then boyfriend to bring to his boss and get the title. He instead deposited the check into my personal checking account, then withdrew/wrote checks/debited/spent all the money. His name was not on the account, but did know the PIN. When I realized what happened I filed all the necesary paper work with the bank and got a police report regarding the events. Now, over a year later, the bank has debited my account $6413.00. They are holding me responsible even though I did not take out any of the money. They now say I have to work out a payment plan with them to clear the debt. Can they do this? Especially since they should have never have taken the check without two signatures? Do I have any other options? Is there a way to place the blame where it belongs? This all happened in New Jersey. Any advice would be great. Thanks.