[Willow]

I am confused by it all too. We don't know how they have a copy of a check with NSF and neither does the cc company. We talked them about upping the credit limit, but we have to wait until they unfreeze the account. The cc company thinks someone was trying to scam us.

I have asked them if I can make payments on Maddie but they want me to return her and let them hold her until the payments are complete.