I mostly agree with Lisa, but your friend being the client can set the settlement terms as he chooses because he is the client. If your friend...

Not a crime because you had no intention of defrauding anyone. Bank will eventually get around to fixing it but will take time.

Technically speaking they violated the Electronic Funds Transfer Act (EFTA) by taking more money than allowed, but you NEED to give back the extra...

Sounds like this is a debtor's exam. You cannot be sued twice on the same debt. The collector is attempting to get your financial information so...