Here's where it gets confusing: I Owe Mike Money. 120$ Mike owes you Money. 80$ I Pay You. 120$ You takes the $80 that Mike owes You from my payment. You refunds the remaining balance to Mike. Jim comes up next month for his annual 4th of July visit. Jim brings Mike's remaining money back to him on his return to Florida. And I owe Jim and Mike big time. So how can I get my money to you? You want me to mail it? Jim thanks for the wording. You made it a lot easier.