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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It is all clearly confusing. Sort of in the same mess. you get a check a Florida check, time is longer for out of state checks. Your bank by law must clear that check in two days, you can use that money. If, the check bounces they will charge you back the money plus a roughly $20 fee.