how do i find out about whether someone has good credit and if i should take a check from them?

Question

I am selling puppies and I had a problem with one person, and his check was returned. He lied to me about the check.

Answer 1

I would suggest cash, or money order. That is really the only say way....even stores are not useing checks anymore...they put it through a machine and if the money is not there they don't take the check....I went to a Burger King the other day...wrote a check...they ran it through the machine, it was good, I got my check back as a reciept...the don't even need to keep the paper copies anymore.....Cash or money order...safest way. I would also agree you should retry to send the check before you do anything major...mistakes do happen...or call the bank....double check before jumping to any major decisions....

Answer 2

CASH only, or have them get a money order or a cashier's check from their bank. If they've got the funds in the bank, they shouldn't have a problem coming up with one of those 3. People that do that really suck.......can't trust anyone. Or, if you do take their personal check, tell them they can't have the puppy until it clears your bank-what is it 5-7 business days? If they want the puppy right away, they'll come up with the cash.

Another thing, one state I lived in, if you accepted a personal check for whatever, the county or state law said they'd prosecute them criminally, but it had to have certain info written on the check. Meaning, you had to verify the address against the drivers license, get a phone number, and write the driver's license # on the check. So check if your state has something similar to that as well.

Answer 3

Have a good contract drawn up that includes a paragraph that payment is received in full on the date it's signed. Then only take cash. If a person shows up wanting to buy but wants to pay by check, just say no. They do not absolutely have to buy that day. They can go to their bank, cash their own check, and bring you real money. Or, accept a small downpayment by check or cash to hold the pup, then have them return with the full amount of cash a certain number of days later, and you give them their undeposited check back. If they don't return, cash their check (or attempt to... it's probably bad), and sell the pup to someone who has the money.

Answer 4

Don't give up the pup until the check clears! I refuse to take checks when I sell pups or Rabbits (my animals are for show and are not inexpensive) Cash only is the way to go, If they have money in the bank to write a check then they can just go get the cash instead, if they don't have all the cash I will hold a pup with a 40% deposit (non-refundable) for 2 weeks until they can get the cash.

Answer 5

It may have been a mix up at the banks. Did you send it through twice? Usually people send them through 2 Xs b4 jumping to any conclusions. Did you get any form of id from the person? The address or anything? I sell alot of stuff too but I don't ever take a check unless the bank is close and I can call and verify it first. Good luck.

Answer 6

If he's got the puppy, litigate his butt off. Sue for the amount of the check, the fees your bank might have charged, and a standard returned check fee of some sort. You've got his address from the check, right? Write him a letter stating if you don't get the cash, you'll be suing for return of the dog, and/or the check amount plus fees. Shame on that guy, and hopefully you only accept cash or money orders from now on...

Answer 7

Get permission from everyone by printing up a paper for a background check, used to ensure a good home for them and for the sake of the puppies health then get it noterized and check their baground. Selling puppies is included as a business so you have every right to check what you want to.

Answer 8

Take a money order instead of a check. It works better. I was going to sell something on postaroo and I asked my dad how should I get the money, he said money order is the safest because you both don't have a lost.

Answer 9

Get them to write their guarantee card number on the back of the cheque. You should also interview all your potential owners to make sure the pups are going to a good home and that in turn should root out all the financially dodgy people.

Answer 10

Absolutely CASH ONLY is the way to go!! If the person doesn't have enough money to buy the dog, they don't have enough money to take care of it correctly!!!