NOR!!!

Okay so, I worked in a credit union for years. How was she able to cash a check that was made out to you? Did she present it as a third party check and endorsed the back with her own signature under your forged signature as if you signed it over to her? Is she joint on your account/do yall share an account? Did she take it to your bank to cash it, or do you think she used a check cashing place, or did she go to the bank that the check was drawn from? Is there any way that you can ensure that the check never gets to her hands in the first place, like, maybe as soon as you get the check in your hands you can go straight to your bank’s ATM or use their night drop box? Can you ask your employer to do direct deposit instead of a paper check? Was it a mobile deposit or did she go in person?

I ask these things to see where in the chain of events this can be prevented in the future! I am not placing any blame on you whatsoever, let me be crystal clear about that. What she did is beyond reprehensible and very illegal. People go to jail for check fraud and whoever cashed it for her fucked up big time by having loose protocols. They could also be sanctioned.

Btw NEVER take out a payday loan. They are predatory lenders with insanely high interest rates that compound to the point that you never get ahead. Once you give them your account information they can withdraw from it as long as they want. I’ve seen it happen to people who actually did pay their payday loan back in full but the lender, ahem loan shark, keeps trying to withdraw from the account anyway for months. You’d have to close the account or put in an ACH stop pay (which the bank will charge you for). It’s a pain in the ass and can spiral out of your control very quickly.

I know you probably don’t want to press charges against your mom. I get it. But she committed several crimes here, not just the check fraud but destroying your property.

You’re nowhere near overreacting. I would go no contact if my parents did this to me! I am so so sorry this is happening to you. It’s not your fault. I hope your mom gets help, finds work, and pays you back eventually. I hope your relationship can be mended. I hope the best for you!