The check can be used by anyone who finds it and be cashed. The finder can create fake identification documents and pose as the person to whom you issued it and cash it. So, the best thing to do would be to issue a stop payment so that, even if someone finds it, they cannot encash it
Risk that is personal.
If you lost your check in the mail, you should contact the issuer of the check immediately to report it as lost. They can then issue a stop payment on the lost check and reissue a new one to you.
it really depends on your current health, your risk factors (personal and familial) for disease, your gender and your age
it really depends on your current health, your risk factors (personal and familial) for disease, your gender and your age
It is possible that the check got lost in the mail.
Yes, you can normally exchange a personal check for a cashier's check at the bank on which the personal check is drawn (the bank named on the check). The bank will immediately withdraw the funds from the personal account and apply them towards the cashier's check.
There are many places where one could obtain high risk personal loans. High risk personal loans can be obtained from such places as a bank or other financial institution.
Are you saying that you paid the rent and then the landlord lost the payment? You would have to determine at which point the rent was lost. For instance, if the check never arrived in the mail and was not cashed, then it wasn't the fault of the landlord. If it is a personal check, then payment could be stopped and the check replaced, without a problem.
A cashiers check is far safer than a personal check, whether you are the payee or the payor. If you are the payee (the one receiving the check) and receive a personal check that is insufficient, you have very little recourse in obtaining the money owed to you. If you are paid with a cashiers check, it is guaranteed funds, since the bank will only issue the check with available funds (meaning it has to be paid for with cash or purchased at the person's bank, where the bank can verify there are sufficient funds in their account to cover the amount of the check). If you are the payor (the one paying by check), the bank can trace the check for you if the person to whom you were paying loses it or says they never received it. Also, if the check does get lost, it will be far more difficult for someone to forge their signature to it and cash it. Also, a cashiers check does not have as much personal identification on it like a personal check does (address, checking account number, etc.).
Sorry, but no. You are held responsible. It's not the employers fault that the check was lost or delayed in the mail.
If you have lost a check and it has been cashed your bank can determine where.
You can change a personal check at a bank, credit union, or check-cashing store.