<prompt> Human: Hi, I need some help, I just a notice from my bank stating that I owe 1000.00 because a cheque bounced. Heres some back story I know its my fault for not being smarter but I was really desperate for cash and didnt see the warning signs. 1I advertised my cellphone for 200.00 on Kijijiedmonton 2Got an offer from some one named Melvin Shearer 3We finalized the deal and he sends me money through a money order bad warning sign 4I look at the money order and its 1000.00, I asked him whats the deal he said that he needed someone to go get the phone for him so hes asking me that i send the rest of the money to a contact of his to pick up the phone. 5Me being Naive and Desperate agreed and sent the rest of the money to address supplied via Western Union. 6After telling him the deed was done he said that the contact will be at my location of choice for pick up. 7 its been 2 weeks now and not once has there been any contact with either Melvin or his Contact and just recently I got mail from my bank stating that I owe 1000.00 because the Money order I chequed was counterfeit. I dont know what to do, my head is about to explode and I couldnt be in any worse financial state. I dont work because Im a full time network engineering student so I dont have any money I can give my bank at the moment. I contacted my Banks fraud department but they told me they cant do nothing. And Im hesitant to contact the police because if the bank cant help me what can the police do with their fraud department.any help?  <response>: You are on the hook for the 1,000Theres no getting out of it. You owe the bank that amount.Go to the police, give them all the info you can about who gave you the bad money order, but in the end you are responsible for the loss. 