Most banks report unpaid overdraft accounts to a nationwide reporting group.  When you attempt to open an account at another bank they check with this reporting agency to see if you owe another bank.  I would suggest you repay the other bank(s) you owe.  It is a reflection as to your integrity and ability to manage your finances.

The property title can only be changed by having a new deed prepared and filed making the changes you desire.  A refinance of a mortgage will not change ownership as stated on the deed.

Your cat may have 'megacolon', a very serious situation that can lead to death if not corrected.  Your vet may give her an enema and place her on 'lactulose' to help keep her stool soft and passable.  Under certain situations, surgery is needed.  My 13-year old cat had this problem; we dealt with it for several months, but … Read more