I checked my bank account yesterday, because my debit card got declined when I went to pay for my lunch only to find out that I was $300 negative. There was no way that should have happened I just got my tax return 2 weeks ago and should have had over $2000 between my savings and checking account. I looked into it more to find out that my mom had a debt and since she was still on my account that I have had since I was in High School they took everything except $300 which was gone because of bills that I had payed over the weekend. Now I am stuck with no money and no way to get it back. The bank can't help and the collection agency that took it won't talk to me, because it isn't my debt.