Check By Phone Payment Authorization: Fill & Download for Free

If there truly is an execution against you, it has to be filed with the appropriate legal authority. Here in Ontario, that would be the sheriff of the municipality.The legal authority will be happy to excise the writ if you come to them and offer to pay by cash or cashiers check. Hey, it’s 2020 - they may even take a credit card. They will also check for other executions if there are any - they all have to be paid pro-rata.The creditor is not entitled to any extra money except court authorized charges, which would be filed with the writ (such as filing and renewal fees).But call me suspicious. Generally, debtors only find out about writs when they go to sell their real property and it comes up in a search. If a creditor has sat on a judgment for ten years, courts will only cut them slack if you’ve been actively avoiding being found.Also, how does a $200 judgement grow to $2,100 in 10 years? That’s like 100% a year. The court interest rate over the last 10 years has been about 4%. Even in the 1980s it was never more than 21%. Interest on judgments is generally simple interest, not compounded.

Payments is a very challenging market to disrupt because of a combination of regulatory barriers, network effects, and chicken/egg issues. However, it is a really big market so there are plenty of startups that are trying to disrupt the major card-based payments networks:Here are some startups that are trying to disrupt the major card networks in the US grouped by the broad approach they are taking:ACH/e-Check based payments networksDwolla (http://www.dwolla.com) - P2P payments with an emphasis on payments to your Facebook or Twitter connections. Their FiSync product moves beyond ACH to real-time transfers.Noca (http://www.noca.com) - Payments by "Secure Online Check"Alternate physical devices or authorization mechanismsISIS - Joint venture of AT&T, Verizon, T-Mobile to enable payments via NFC-capable mobile phoneFaceCash (http://www.facecash.com) - Mobile phone payments where merchant uses a barcode and picture of the users's face for authorizationOnline banking paymentsNACHA Secure Vault Payments (http://securevaultpayments.com/) - Pay by logging into your online bankingMobile carrier billing (generally limited to virtual goods)Boku (http://www.boku.com)Zong (http://www.zong.com)PayFone (http://www.payfone.com)Several others....There is also a really long list of failures in this space. Some of the more interesting attempts include:PayByTouch - A well-funded startup that used fingerprints for payment authorizationDebitman - A pro-merchant debit network based on decoupled debit technology that pivoted into Tempo Payments (http://www.tempo.com)Bling Nation (http://www.blingnation.com) - Pay with a BlingTag RFID sticker that is linked to a bank or PayPal account {Note: This was listed among the contenders above when I first wrote this answer but has since shutdown}Indirect competitorsThere are also lots of startups or technologies that change the flow of card payments in some way, but rely heavily on the major card networks. One could argue that these models pose some of the biggest long term challenges to the major card networks.The best example of this is PayPal (P2P payments and virtual wallet). PayPal operates in cooperative competition with card payments. A consumer PayPal account is a virtual wallet that adds an abstraction layer on top of the user's card accounts or bank. PayPal relies heavily on card payments and is easily one of the largest merchants (as an agent for its merchant customers) for all of the card payment networks. However, PayPal encourages users to use transfers from a bank account instead of credit or debit cards because it saves PayPal money. As PayPal grows it share of online payments and users become more comfortable connecting their bank accounts to PayPal, there is a threat of disintermediation of the card networks in online commerce by mobile wallets. This sometimes said to be one of the strategic reasons that Visa bought CyberSource in April 2010.Mobile platforms for card acceptance such as Square (http://www.squareup.com) and Intuit GoPayment (http://www.gopayment.com) also present potential for disruption of card payments in the very long term. While today they enable card payments, a large network of merchants with a payment acceptance app is an interesting starting place to build an alternate payment network.

Follow the instructions on the website.Most likely you will write out a check, sign it, photograph it with your phone and send them the photo. They will use the image of the check to debit your account.There's also an e-check where you provide them with the name, routing number and account number for your checking account and authorize them to debit your account.Again, follow the instructions on the website.