Q: I have recently come across a scam that involves the use of united states post office boxes and a local bank branch.
My banking account was accessed using this scam and money is now missing. Do I need a lawyer or should I continue to look into this problem on my own.
A: It is difficult if not impossible for any lawyer to tell you whether you should seek legal assistance or continue looking into the problem on your own--when you have not described the problem first.
A: You need to immediately, in writing, notify the bank of the fraudulent activity. The Commercial Code allows banks and other financial depository institutions to be released from liability if you fail to contest improper transactions on your account within 30-60 days of receiving your bank statement covering the month the transactions occurred. The bank will institute a fraud investigation, and ultimately, if the fraud was not something you somehow allowed to happen knowingly (like you gave someone authorization to use or access your account), then the bank will have to make you whole. You can and should also call the police (not 911--this is not an emergency) and file a report and get a criminal investigation started.
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