This is impossible. You didn't read statements or check your bank balance for three months? You didn't notice that checks were not getting cashed? Don't you balance your checkbook every month? This is a YDI if I've ever read one...

You need to get Internet banking.

Maybe you could claim you've got dementia?

This is tough one. Your fml is a FYL and a YDI. FYL because grandmother has dementia and that could have honestly distracted you from other responsibilities while taking care of her... That and she keeps throwing out your mail which can make things easy to lose track of during a difficult time. YDI because there should have been a way for you to notice bills not being paid (i.e. More money than usual, statements, bank information, could have done online services if offered, etc).

Yeah, I'm gonna agree with everyone else on this. That sucks, but going three months without making sure your checks were clearing and not noticing late charges/past due notices on your bills was highly irresponsible.

It seems like you would realize the bulls have not arrived would have sent a signal....and I know this excuse will not cut it...

I'd like to know how you don't realize your bills are missing for 3 months. YDI

So you just figured places like the power company, your apartment rent and others didnt want to be paid cause you're "just so damn nice"? You got some calls to make and a padlock for the mailbox to get.

God...where to start?! Ok, first...who the hell pays bills by mail anymore? Hello...21st century! Second...unless you're sending cash by mail, in which case you are a total moron, how did you not notice the money not being deducted from your bank account? Finally...over the course of three months how did you fail to notice that your payments weren't getting applied to your bills? You totally deserve this one!

Not to be rude, but how did you not notice the money was still sitting in your bank account?