Quote:
Originally Posted by retiredguy123
I think that once a check has been cashed by the payee through a third party, it is too late to issue a stop payment order. A stop payment order only works when the payee has not yet endorsed the check and received his money. There is no time limit, and it doesn't matter whether the third party is a check cashing service or not. That is why many contractors will immediately go to a bank and cash a check. But, I don't understand why the OP would owe anything to the check cashing service. It was the contractor's choice to use the check cashing service.
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actually that's incorrect. you don't have to stop payment before he's endorsed it - case in point he deposits the money in his account - you can still stop payment up to 90 days from the date of writing the check. In my case it was stopped within 48 hours.
In either case there are time limits as another poster pointed out the stop is 'gone' after 180 days which is correct.
However I didn't post this for couseling on stop payments, collecting the money or anything it was to report a bad contractor that shouldn't be used.