Hartsock v. Rich's Employees Credit Union

JOHNSON, Presiding Judge.

Carolyn Hartsock received structured settlement payments, arising from litigation unrelated to the instant case, from Prudential Reinsurance Company. Hartsock sold one of her lump sum payments, in the amount of $60,096, to Singer Asset Finance Company, LLC. She directed Prudential to remit the payment to Singer’s post office box in Newark, New Jersey. Prudential issued the check as directed, but Singer never received it.

Instead, at some point after the check was issued, it was altered to be made payable to Ann McCardy at an address in Marietta, Georgia. McCardy…