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bounced checks #6297164
08/08/18 04:33 PM
08/08/18 04:33 PM
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Posts: 8,907
Indiana
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brianmall Offline OP
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How do "you" deal with them? Small buisness owners and such that is.

We have been working with banks for the most part if client is unwilling to fix it. As in we just keep calling bank till that account has the cash then we deposit check. Most the time I'm out nothing because I just cancel service and write remainder of service off as bounced check fee.

Re: bounced checks [Re: brianmall] #6297169
08/08/18 04:40 PM
08/08/18 04:40 PM
Joined: Dec 2006
Posts: 12,277
williamsburg ks
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danny clifton Online content
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williamsburg ks
Its too bad sherriffs and prosecuters are to lazy to do their job any more


Ban private vehicles now. They are killing too much wildlife and too many children.
Re: bounced checks [Re: brianmall] #6297173
08/08/18 04:43 PM
08/08/18 04:43 PM
Joined: Mar 2012
Posts: 1,621
Nevadafornia
L
Lazarus Offline
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Nevadafornia
Under Indiana law, it is a crime to issue, offer or present a check or bank draft drawn on an account that you (1) know has insufficient funds to cover the amount of the check; (2) is a closed account; or (3) is a nonexistent or fictitious account. In Indiana, these offenses are collectively known as check deception. Penalties for check deception may include fines, jail or both.

If I get a bounced check, I call the District Attorney's office and they have a bad check unit. They issue citations and get on it. I don't know how much criminal prosecution they do but they generally put enough heat on people they make good on the check.


For SILVER VINE and the latest in visual attractors:
www.wyldwingsproductions.com
Re: bounced checks [Re: brianmall] #6297175
08/08/18 04:46 PM
08/08/18 04:46 PM
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hippie Offline
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Been ten years or so since i've had one, but back then i'd......

Go the the JP and file on them. Believe it cost 35 dollars and for that, they'd send them a registered letter to pay or have a hearing on such and such a date.

If they don't pay, they never show for the court date either, in my experience. So, they no-show and you win...lol.

Next you can give them more money and have the sheriff go tag items for a sale. Don't waste this money. until you pay for this and they sell an old tv, your further in the hole.

So, File the first part for 35$ and if they don't pay, remember their name and don't do anymore business with them.

Re: bounced checks [Re: brianmall] #6297178
08/08/18 04:47 PM
08/08/18 04:47 PM
Joined: Dec 2006
Posts: 12,277
williamsburg ks
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danny clifton Online content
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Here its a crime too. Call and you get told its a civil matter hire a lawyer. Smash in the thiefs nose they will show up though


Ban private vehicles now. They are killing too much wildlife and too many children.
Re: bounced checks [Re: brianmall] #6297187
08/08/18 04:54 PM
08/08/18 04:54 PM
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hippie Offline
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Supose to be a crime here too. Maybe the check has to be huge, but it always went how i stated. I don't even bother anymore, i normally bump into them somewhere and bounce them about it. But like i said, it's been alot of years since i've gotten one.
Once your in business for 15-20 years, ya know who to trust and who not too. That's been my biggest asset.

Re: bounced checks [Re: brianmall] #6297194
08/08/18 05:03 PM
08/08/18 05:03 PM
Joined: Aug 2011
Posts: 891
Peoria County Illinois
Larry Baer Offline
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Peoria County Illinois
What Lazarus said. I call the propel and sometimes knock on their door. I have had them hide and not take my calls and if that is the case sometimes I just put their check on my wall of shame for all my customers to see( only three checks in 30 years) and file a lien on their house if its a big check. Like Hippie said- if your gut tells you not to trust them don't do it. If you want the job you could always quote double and get half down?
I returned a lame horse to someone in Indiana one time. They gave me their personal check and they were pretty crappy about the whole deal so I cashed their check at their bank on the way out of town and ten minutes after I cashed it the lady called me and called me everything but a white guy telling me they didn't have the money in their account and now they were over drawn and the bank was charging them for covering it... Glad I did that! HA!

Re: bounced checks [Re: brianmall] #6297195
08/08/18 05:04 PM
08/08/18 05:04 PM
Joined: Nov 2013
Posts: 2,262
Meridian, Idaho
10bands Offline
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If you can, just say no to checks. Cash or card only. Get a card reader for your phone. I suggest yourbluedog.com because they are 2A friendly. The better known companies like Square are anything but 2A friendly.

Re: bounced checks [Re: brianmall] #6297197
08/08/18 05:07 PM
08/08/18 05:07 PM
Joined: Jun 2013
Posts: 3,279
Northern Michigan
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J.Morse Offline
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Northern Michigan
I was lucky as heck with personal checks while operating my taxidermy studio. I had exactly 2 checks bounce in over 30 years, and both were written as deposit checks. The writers made good asap. I also had one from a guy that wrote me a check to cover the first part of a Land Contract type house sale. I made it a point to go to his bank to cash the check the day after I got it. The lady at the window said no-can-do........He didn't even have overdraft protection so it would come out of another account. I called the guy, who was working out-of-state and told him what happened. He told me to try it again because he DID have overdraft protection. The bank manager had been very candid and said he didn't have any account other than the checking account which held nothing close to the check amount. I told the lying sack of s*** to buy someone else's house. I was nearly conned by this guy and his girlfriend. They were going to move into the house in a day or so. I have a friend that does court work in that county(Process server type stuff)and he'd told me they were not to be trusted AFTER I'd gotten the check....hence my action of driving directly to his bank to cash the check. Had I just run it through my account at home , 100 plus miles away, they'd have been physically IN the house by the time the check cleared, or should I say didn't clear. I would have had to get a lawyer/judge to remove them.


Re: bounced checks [Re: brianmall] #6297202
08/08/18 05:21 PM
08/08/18 05:21 PM
Joined: Dec 2006
Posts: 1,124
AR
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TurkeyWrangler Online confused
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Had a bunch through the years. Had to put several people in jail. It's amazing how they somehow come up with the money once they are in jail. It's been a long time since I had a bad one (mainly because I try to avoid taking them) so I don't know what the law would do these days.

Re: bounced checks [Re: J.Morse] #6297204
08/08/18 05:25 PM
08/08/18 05:25 PM
Joined: Feb 2013
Posts: 1,428
N.E.Ohio
Ronaround Offline
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N.E.Ohio
Originally Posted By: J.Morse
I was lucky as heck with personal checks while operating my taxidermy studio. I had exactly 2 checks bounce in over 30 years, and both were written as deposit checks. The writers made good asap. I also had one from a guy that wrote me a check to cover the first part of a Land Contract type house sale. I made it a point to go to his bank to cash the check the day after I got it. The lady at the window said no-can-do........He didn't even have overdraft protection so it would come out of another account. I called the guy, who was working out-of-state and told him what happened. He told me to try it again because he DID have overdraft protection. The bank manager had been very candid and said he didn't have any account other than the checking account which held nothing close to the check amount. I told the lying sack of s*** to buy someone else's house. I was nearly conned by this guy and his girlfriend. They were going to move into the house in a day or so. I have a friend that does court work in that county(Process server type stuff)and he'd told me they were not to be trusted AFTER I'd gotten the check....hence my action of driving directly to his bank to cash the check. Had I just run it through my account at home , 100 plus miles away, they'd have been physically IN the house by the time the check cleared, or should I say didn't clear. I would have had to get a lawyer/judge to remove them.


now that's a good lesson for us all!
Thanks for sharing!

Re: bounced checks [Re: brianmall] #6297288
08/08/18 08:55 PM
08/08/18 08:55 PM
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Indiana
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brianmall Offline OP
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Most are taken care of with a phone call

Up until this point the others have been taken care of by bank allowing us to letting us know when sufficient funds were available. I think the longest one took 5 weeks before funds were available. But that is the bank cooperating when writer would not.

This time with this specific bank. The bank is even refusing to cooperate. Won't even verify if the person is their client.

Local authorities here act like it's your responsibility to prove its fraud. As in:. They don't care and won't waste time with bad checks.

Re: bounced checks [Re: brianmall] #6297291
08/08/18 08:57 PM
08/08/18 08:57 PM
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Indiana
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brianmall Offline OP
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I've been told by our bank to send verified letter to check writer to correct issues within 30 days. If no correction is made then take check to Prosecutor. But according to local law and other authorities. If you can't prove its fraud and not just an unbalanced check book. Then your up Creek with out paddle

Re: bounced checks [Re: brianmall] #6297319
08/08/18 09:36 PM
08/08/18 09:36 PM
Joined: Oct 2013
Posts: 8,907
Indiana
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brianmall Offline OP
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Lol

Also

Their bank told us to keep trying!!!!!!!!!!!!!!!!!!!!!!!! mad

Writer is charged 35$ per bounce by them! So their bank without even looking at or verifying any info refused to see if account was sufficient before telling is to try again! "Wells Fargo"

Every other bank we have dealt with up to this point would at the very least take check, look at system, then say yes or no. Lol,. Not Wells Fargo! Wells Fargo says keep trying because we make 35$ every time you do!

Last edited by brianmall; 08/08/18 09:40 PM.
Re: bounced checks [Re: brianmall] #6297322
08/08/18 09:39 PM
08/08/18 09:39 PM
Joined: Nov 2013
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Oklahoma
M
Matt28 Offline
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Oklahoma
In that case i would try every day twice a day to costs them as much money as possible.

Re: bounced checks [Re: Matt28] #6297324
08/08/18 09:41 PM
08/08/18 09:41 PM
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Indiana
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brianmall Offline OP
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Originally Posted By: Matt28
In that case i would try every day twice a day to costs them as much money as possible.


No

Our bank charges us 12$

Re: bounced checks [Re: brianmall] #6297328
08/08/18 09:44 PM
08/08/18 09:44 PM
Joined: Oct 2013
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Indiana
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brianmall Offline OP
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Indiana
It's only 55$ check. Drop in bucket

I'm really just trying to learn how to play game correctly. We are over 1000 clients now and growing faster and faster every month. Becomes more of an issue the bigger we get. I may end up refusing checks because it seems law department doesn't want to enforce anything. But I'm scared that refusing checks will hurt my profit margin.

Dunno


I like FB messenger app!!!!! Folks can pay through messenger via debit

Re: bounced checks [Re: brianmall] #6297330
08/08/18 09:45 PM
08/08/18 09:45 PM
Joined: Dec 2016
Posts: 389
NE
N
NEYotetrapper Offline
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Joined: Dec 2016
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NE
Well thanks for heads up on Wells Fargo checks! I take quite a few checks for my business. Some people you can get a vibe that they are likely to bounce one on you. So I demand cash payment, have it right in my work order that I can demand all payments be in cash. I have honestly though had very little issue with bad checks. Had one guy that bounced one twice after reassuring me that funds were in the account. At that point I called the bank and they were kind enough to tell me what days that guy actually got paid by EFT. I just showed up at his bank the next time he was scheduled to be paid and cashed his check right then and there.

Re: bounced checks [Re: brianmall] #6297331
08/08/18 09:46 PM
08/08/18 09:46 PM
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Indiana
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brianmall Offline OP
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Indiana
I figured you could just turn them into collection agency or something?

Re: bounced checks [Re: NEYotetrapper] #6297332
08/08/18 09:48 PM
08/08/18 09:48 PM
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Indiana
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brianmall Offline OP
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Indiana
Originally Posted By: NEYotetrapper
Well thanks for heads up on Wells Fargo checks! I take quite a few checks for my business. Some people you can get a vibe that they are likely to bounce one on you. So I demand cash payment, have it right in my work order that I can demand all payments be in cash. I have honestly though had very little issue with bad checks. Had one guy that bounced one twice after reassuring me that funds were in the account. At that point I called the bank and they were kind enough to tell me what days that guy actually got paid by EFT. I just showed up at his bank the next time he was scheduled to be paid and cashed his check right then and there.


That's what banks should do! It's their check!!! At the very least you should be able to walk in to cash. But verify before you do cash. Hey! Before you cash this check their account!!!!!!!!!!!! Most bank would do that. Not Wells fargo

Re: bounced checks [Re: danny clifton] #6297354
08/08/18 10:22 PM
08/08/18 10:22 PM
Joined: Dec 2006
Posts: 2,775
Va
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pass-thru Offline
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Va
Originally Posted By: danny clifton
Here its a crime too. Call and you get told its a civil matter hire a lawyer. Smash in the thiefs nose they will show up though


a bounced check is only a crime under certain circumstances. Has to be a simultaneous exchange for goods and services, vs payment to creditor. Many people are the position of a creditor without even realizing it. Like accepting payments on a contract. As opposed to requiring payment at the time of service.

Re: bounced checks [Re: brianmall] #6297368
08/08/18 10:45 PM
08/08/18 10:45 PM
Joined: Dec 2006
Posts: 217
Michigan
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Pigeon_Trapper89 Offline
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Michigan
My local town cops loves it when people bounce checks, he will personally go to their residence give them a very short timeline to pay up or im pretty sure he takes them to jail. It has never got that far so I am unsure what happens to the people, usually when they see a cop role in they pay up immediately.

Re: bounced checks [Re: pass-thru] #6297445
08/09/18 12:52 AM
08/09/18 12:52 AM
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hippie Offline
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Originally Posted By: pass-thru
Originally Posted By: danny clifton
Here its a crime too. Call and you get told its a civil matter hire a lawyer. Smash in the thiefs nose they will show up though


a bounced check is only a crime under certain circumstances. Has to be a simultaneous exchange for goods and services, vs payment to creditor. Many people are the position of a creditor without even realizing it. Like accepting payments on a contract. As opposed to requiring payment at the time of service.


That's what i got from it here too Passthru. That's why i just get the J.P. to send a letter and hearing, then drop it if they don't show/pay.

Had one guy who knew the ropes. After he got the letter, he stopped in and asked if he could make payments. I said sure and took about a tenth of it. He didn't ever come back so i went to the J.P. again and she told me as soon as i accepted money for the check, she couldn't do anything for me.

Re: bounced checks [Re: brianmall] #6297456
08/09/18 01:13 AM
08/09/18 01:13 AM
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Indiana
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brianmall Offline OP
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Hippie


Here they are telling me that I have send certified letter, wait 30 days, then go to JP.

?

Last edited by brianmall; 08/09/18 01:14 AM.
Re: bounced checks [Re: brianmall] #6297460
08/09/18 01:16 AM
08/09/18 01:16 AM
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hippie Offline
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JP. sends the letter here. Or do you mean you have to send a bill?

Or JP. sends letter with costs added and a hearing date.

Re: bounced checks [Re: brianmall] #6297471
08/09/18 01:28 AM
08/09/18 01:28 AM
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Indiana
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brianmall Offline OP
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I have to send a letter with bill certified mail giving them 30 days to correct. Then if no correction is made I have to go to JP with proof I sent letter certified

Re: bounced checks [Re: brianmall] #6297472
08/09/18 01:29 AM
08/09/18 01:29 AM
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Indiana
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brianmall Offline OP
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Then I guess JP will attempt to do something? What I don't know

Re: bounced checks [Re: brianmall] #6297512
08/09/18 01:49 AM
08/09/18 01:49 AM
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hippie Offline
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I see.
No, ours sent the first letter with all costs included. Keep in mind, it's been years since i did it, but yea, her letter had the 30 day wait for them to pay.

Re: bounced checks [Re: brianmall] #6297527
08/09/18 01:59 AM
08/09/18 01:59 AM
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Indiana
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Re: bounced checks [Re: brianmall] #6297824
08/09/18 03:10 PM
08/09/18 03:10 PM
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Northern Missouri
Northmocats Offline
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Northern Missouri
Find out if the person who wrote the check has an Employer if you can..
Call them up and Demand it get taken care of!
Worked on a Bad check I received once.

Last edited by Northmocats; 08/09/18 03:12 PM.
Re: bounced checks [Re: brianmall] #6298444
08/10/18 11:08 AM
08/10/18 11:08 AM
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Missouri
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LBEE Offline
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Where I live you let them know they have so many days to Pay up or will be turned over to the Prosecuting Attorney.....People just don't use Checks much anymore around here!

Re: bounced checks [Re: brianmall] #6298485
08/10/18 12:26 PM
08/10/18 12:26 PM
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Millville, Pennsylvania
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I only ever had one bounced check from a guy I did some contracting work for.
I went through all the steps from calling him, to stopping at his house, calling the banks, sending certified mail, going to the JP, trying to get my money through a sheriff sale (didn't happen), and showing up to his bankruptcy court hearing.
At the hearing the judge told me he owed over $90,000 to 91 creditors. 91 people or companies he owed money to.
I ask what that meant for me. The judge just laughed and said "He only owes you $1,100. The big boys get their money first and he doesn't have much of it. You will never see a nickle."

So my advice is.....be prepared to waste lots of time and effort collecting on a bad check.


Nowadays it just don't pay to be a good 'ol boy.
Re: bounced checks [Re: brianmall] #6298570
08/10/18 02:55 PM
08/10/18 02:55 PM
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Central, SD
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I still remember Counter Checks when I first moved out to SD! Lived in a small town my bank account "number" was my name back then. LOL Times have changed


Was born in a Big City Will die in the Country OK with that!

Jerry Herbst
Re: bounced checks [Re: Fairchild #17] #6298595
08/10/18 03:46 PM
08/10/18 03:46 PM
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hippie Offline
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Originally Posted By: Fairchild #17
I only ever had one bounced check from a guy I did some contracting work for.
I went through all the steps from calling him, to stopping at his house, calling the banks, sending certified mail, going to the JP, trying to get my money through a sheriff sale (didn't happen), and showing up to his bankruptcy court hearing.
At the hearing the judge told me he owed over $90,000 to 91 creditors. 91 people or companies he owed money to.
I ask what that meant for me. The judge just laughed and said "He only owes you $1,100. The big boys get their money first and he doesn't have much of it. You will never see a nickle."

So my advice is.....be prepared to waste lots of time and effort collecting on a bad check.


Exactly.
That's why i said in my first post to stop and cut your losses after the registered letter. The sherriff sale deal is a joke.

Re: bounced checks [Re: hippie] #6298697
08/10/18 07:24 PM
08/10/18 07:24 PM
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American In the Pyrenees; Fran...
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I got relatively few in my 25 years in retail, but I tracked down almost every one. Checking the bank account on the 1st and 15th of the month sometimes worked, but I had luck calling bosses and or family members as well if I could find them. If it came from a cop or someone in the military, their higher ups took care of it quick. Everybody writes a few bounced checks when they are young and they make it right, but someone who writes a significant check knowing it is bad... that's another thing.

No chance to get the law involved these days, but be creative if you can.

Pete

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