My sister is freaking out because her stupid butt wrote a bad check for over $400 and after 2 attempts to deposit the check by the merchant, her bank returned it NSF both times. NOW she is freaking out because she received a letter from “TRS Recovery”(Telecheck) informing her that they are collecting on behalf of the merchant and payment is due immediately for what she owes the merchant.

Don’t get me wrong, I am well aware that what my stupid sister did was wrong and I am by no means downplaying what she did. HOWEVER, what can Telecheck really do other than make it hard for her to write checks, which in this day and time is no big deal since most people use debit cards & cash to pay for everything anyway? I for one, dont know one person(including myself) who even writes checks anymore.

So, other than making it next to impossible for my sis to write checks or open another bank acct(which is not an issue since her current bank is not threatening to close her acct), what else could happen? I am ASSUMING the merchant is not pressing charges or she’d be locked up by now, so does she REALLY have a reason to worry?Will this make her current bank account be closed or does that solely depend on her bank

PS–Please give me real answers and not those ridiculous robotic answers that only links to stupid sites!