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Wow Mindz. There are a lot of unknowns there to make any firm comments. Is it an automatic payment through the holder of the car loan or her bank? Does she have any overdraft protection? When did she deposit the check (time will be important, before or after 2 pm)? I would tell her to go to the bank first thing tomorrow and tell them what happened. They may be able to credit her account and allow the payment to process without any issues. I would also call the loan holder and ask what happened. It shouldn't affect the future payments/credit as long as it get corrected right away.
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