CREDITORS ARE HAPPY TO GET YOUR CHECK AND THE POST OFFICE ONLY CHARGES 49 CENTS TO MAIL IT! 
Thursday, November 12, 2015, 11:32 AM
Posted by Administrator
Talking, this morning, to a previous client on the phone and also to the banker standing in front of me, I confirmed:
1) When you let creditors take money directly from your bank account, the bank can't/won't stop them.
2) You can ask the creditor to stop taking the money from the account but, why would they? They'll know that you don't want to pay.
3) If you close the account to avoid creditors taking out their payment, the bank will reopen the account once the creditor makes its demand.
4) Then, you'll get overdrafts and charges.
5) And, "CheckSystems" will keep you from opening a new account in any bank once you have unpaid overdraft or other bank charges. (And, bankruptcy won't fix this.)

It is a pain to have to open an envelope; look at a bill; write a check to pay it; put the check in an envelope; mail the payment....but, the benefit of doing all this is that you retain control over when the payment is made and...more important, sometimes...whether the payment is made. Creditors want to you make paying their bill automatic....and that, in itself, is a reason not to. Creditors are likely smarter than us (we?) customers and anything that is good for them is probably bad for us.

There are lots of quick, easy ways to get things done....but, in general, quick and easy is not in the doer's best interests. The quickest and easiest way to the bottom of a cliff?

Jump.
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