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Suppose you woke up tomorrow with an extra $120,000 in your bank account?

For many, it would be a dream come true.

But be careful what you wish for. Dreams can easily become nightmares.

A little over three months ago, a Pennsylvania couple named Robert and Tiffany Williams found their bank had mistakenly deposited that $120 grand into their account.

Did they notify the bank? Not hardly. Instead, authorities say the pair went on a shopping spree and blew through most of the cash in just a couple of weeks.

They bought an SUV, a race car, a couple of four-wheelers, made a variety of other purchases and, while they were at it, paid some bills. They even gave about $15,000 to friends.

Well, all good things must come to an end. The bank caught on and yanked what money was left from the account. Now Mr. and Mrs. Williams have to pay back what they spent and are on the hook for an additional $107,000 in overdraft fees since that huge balance was never theirs to begin with.

Then there are the legal charges. Theft and receiving stolen property. They had to put up $25,000 each in bail last week. We doubt it came from their brief windfall.

It was probably magic to see those zeroes suddenly appear in their account. But that magic came with a price tag. a big one.

Was it worth it? You would have to ask Robert and Tiffany.

But in our view, it makes a lot more sense to pick up the phone rather than the checkbook if something like that happens. Honestly is the best policy. Safest, too.

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