My friend was the victum of a modeling internet scam. The short of the incident is this. She told me she had gotten a modeling job and asked me if I would cash the check that the modeling company sent her so that she could pay the photographer. This was what the modeling company told her to do in order to get the work. I cashed the check for her on my and my feiance's account and the check was returned. The bank is of course holding us responsible for the funds. I have tried to get the bank to work out payments, but they are telling me to apply for a loan or they will turn it over to the prosecuting attorney. I have done everything in my power to get the money back and of course I am holding my friend responsible. I want to know how to legaly bind my friend to the responsibilty of paying this money back to the bank, how to negotiate payments with the bank, how to get the bank to give us our money back and negotiate a settlement. The Bank has taken all the money that my feiance and I had in that account, frozen the account, and is telling us that we owe the full amount of the check even though they already have our money.The only plan I have at this point is to take 300.00 dollars into the bank and tell them that this is what I can afford to pay them monthly and then create a noterized contract between my friend and I, stating that she is responsible for this money every month or I will turn her over to the prosecuting attorney for owing us the money. That is all I know to do at this point and I have to have most of this figured out by monday sept 22. Please help, I don't know what to do.

Have you browsed through the information in LawInfo's Free Legal Resource Center to learn more about your issue yet? See: http://www.lawinfo.com/consumer.html. You can certainly try to speak to a lawyer to determine what legal options may be available. In the meantime, you may be able to learn more on your own. Search the "Free Legal Resources" tab, or browse the Consumer Resources. Good luck.

There really are two issues in your posting. 1. How you will repay the money immediately to the bank and 2. How you will receive payment back from your 'friend'.

Have you reported the company to the police? Go to the police station with your friend and take all the paperwork with you---allllll the documentation and turn this over to them ( perhaps the states attorney, even). Your friend may be in the clear so to speak from an immediate point of view, but she is passing bad checks to you and can be charged. So, hopefully she will not think she is "in the clear"permanently, so to speak. Has any of this been reported to the police yet? I would contact them before the bank does.

I would also contact the states attorney's office in the jurisdiction from whence the bad check came.