I recently had a meeting where the fellow I was helping stated that he had “about $700.00” in his bank account. I was really curious as I was staring at an ATM slip indicating his account was in overdraft for almost $50.00. On further questioning it turned out that he had a $750.00 overdraft on this account. Much to my dismay he disagreed with me when I pointed out that this was the banks’ money – not his – although he was well aware that he had to repay the overdraft if he didn’t file a bankruptcy or proposal. This got me to thinking….