My story seems different from all of yours I was given an email regarding a work at home job sounded great seeing how i'm a busy college student who is also disabled. The person sent me a link to his website http://www.actexotextile.com I thought it was real it seemed real but then he asked me to cash some money orders from Walmart to wire him money in Nigeria to help with his travel expenses the bank told me the checks were good and cashed then so I wired the money to him then a week later more came and sure enough the bank said they were good so I again cashed them this time they went to someone in London. So I wired the money no problems then I go to pay my bills online and my account is overdrawn by 14,853.00 dollars the bank says it's my fault even though they said the money was good I'm scared I don't know what to do I called the Secret Service and am waiting for them to return my calls but there is no way i can come up with that kind of cash to fix my checking account my only option would be to file bankruptcy which would distroy what little credit I haveand risk loosing my student loans I don't know what to do.

What you all encountered is a Work At Home payment processing scam! you are hired to accept payments from so called comapnies that owe the one that hired you money. Problem is that you are being sent counterfeit or altered money orders and checks to cash for them.

This is a money laundering scam and they put you right in the middle of it unsuspectingly. IF you have given them ANY identification Drivers licens, social security number , copy of passport you are in immediate danger of Identity Theft!. You need to immediately do the following things:

1. Fraud Flag all 3 credit bureau reports, obtain your free copy for this year and audit it for anything that is not yours. Dispute the items that are not yours and demand signature proof for the debts.

2. Report this to whoever issued the id that you sent copies of. For drivers license some states will allow you to change your license and have a new number issued.

3. Change any passwords for your online bnaking accounts, credit card accounts, etc at least 1x per week , I recommend 2x per week for at least the first few months.

4. You need to scrub your computer - use a trojan detector, anti virus, anti spyware programs as well as invoke a firewall.

http://www.zonelabs.com - free firewall called zone alarm

http://www.grisoft.com - free AVG antivirus

spy bot search and destroy is a good anti spyware as is microsoft anti spyware and again both are free.

There is a good registry cleaner called CCleaner and again it is also free

Finally alert your bank to the fact that your identity was stolen and that you need to change account numbers by closing the old and opening a new. This will only work if you do not owe your bank at present.

Any credit card information they may have, close that account and have a new card issued immediately.

Hope this helps

Excuse me but if in fact you have contacted the FBI in reguards to the fraud then with that in hand, and Im not a Lawyer , a way that can be dealt with thru some court litagation so that your not helpd responsible?
Knowledge is Power people get scammed ecery second in the US, and and yet we do nothing to stop it
Unbelieveable to think this is the US of A