usmr xpress insurance inc. I thought I was havin a Christmas blessin and havin help with my kids presents and got a slap in the face chicago, Illinois

   Most of the people who fall for this scam are not as fortunate as you were.   The phony checks are usually good enough to pass initial inspection at a bank and it takes 5 -10 days for them to come back as phony.   In the meantime, you would have been instructed to send them real money through Western Union (which is untraceable).  Most of those that have fallen for this scam ended up owing their bank over $1000. 

  In the future, when some unknown "company" sends you a check for over $1800 out of the blue, you can safely assume that it is phony.   In the real world, no one would send you a valid check for that much money without knowing exactly who you are.   

  These scams only work on people who think only of the large dollar amount on the check and throw logic out the window.