I am a senior citizen in financial difficulties due to several judgments against me. One of my bank accounts is frozen. I have another one that I only keep a small amount in to pay for my AOL services online which has not been detected as yet.

My car was just totaled and the insurance company issued me a check for half the total amount which is around $1,746, and I do not know how I am going to be able to cash it. I have banking privileges in two supermarkets but they have a limit of two checks in two weeks totaling $750.00. I figure that if I try to deposit a check of that amount in the account that is not frozen, it will set off a red flag and that account will also be frozen. I cannot find any cash checking places in my area.

At this time, this is absolutely the only money I can get my hands on to live on since I am currently unemployed and have six months to go before I can collect Social Security benefits. I am also stranded in a rural area without a vehicle. Any suggestions regarding how I can negotiate this check would be greatly appreciated.

You can try the other account, monitor it closely to withdraw the money as soon as the check clears. Or you can use a check cashing service, or maybe get a friend to cash it for you.