checks and debt collection

checks and debt collection

hi everyone! i just have a quick question about debt collectors: ok, about a week and a half ago i had to put a stop payment on a check. my bank charged me a fee, which i was unaware of, but that's my own fault for not reading the fine print. today i came home from my holiday and found a letter in my mailbox, and the first paragraph says this: "The item, Check #115, has been returned from your bank dishonored. The check was presented to your financial institution, but was returned to us because a Stop Payment order has been placed on it. Accordingly, since we were unsable to negotiate the Check, you must pay the face amount plus a returned check charge." i think this is what confuses me. i thought Stop Payments on check just stopped the payment and prevented the payee from cashing it. does this mean that the bank itself won't take my check back? the letter isn't from my bank, and i don't really have the extra money laying around that they're asking me for. i will have the money once i get paid again, but it's going to put a pretty severe strain on me for a few months. i will, however, pay it...i don't want my credit to be ruined i do plan on calling my "case manager" as indicated in the letter tomorrow, but i was hoping for some advice as to what to say, or if someone could explain this better to me. thanks so much everyone!
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