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Dear PryingMimi:
Well, your mother struggled financially for a long time. A few years ago, her car was broken down for a month and you offered her your child support money to fix her car. You must have been legally a child then. If it is poor money management on her part, then you now share this practice by having written some bad checks.
You are wondering how to communicate to her that you did so and as a result her bank account is being closed. I would suggest talking to her when she is relatively calm (although it would be a shame to spoil that calm), earlier in the day (so hopefully she could relax later in the day and sleep at night), use a calm voice, apologize sincerely.
anita