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Jamie Lee would benefit from protection, as she had legitimate checks written to cover her monthly bills that are now in excess of the available

Jamie Lee would benefit from protection, as she had legitimate checks written to cover her monthly bills that are now in excess of the available checking account balance due to the theft.
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If Jamie Lee did not have overdraft protection what would happen with the checks which she had written?
They would still go through
The checks would "bounce" and not get paid
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