How do I clear up a bad check?

Question

I wrote a personal check to and apartment complex. I had a stop payment put on it. Now they consider it a bad check. When I pay the check off and the fees is there anything else I have to do.

Answer 1

Go to the landlord and buy it back. He'll want cash and about $50.00 bad check/late fees.

Answer 2

When you issue a check not back up by sufficient funds the bank will not honor your stop payment order and becomes a bad check. You have to pay directly now to the apartment complex in cash as they will no longer accept any check payment from you and secure from them your bad check.

Answer 3

Why did you put a stop payment on it? If you are late paying the apartment complex what you owe them then of course they would treat it as an NSF check and charge you the same amount as if it were an NSF. What else can you do, you already hurt yourself by placing the stop payment.

Answer 4

Your personal check is your legal promise to compensate someone for services or something given you. When you put a stop payment on your check, you have legally broken your promise previously made. If you then pay the check off, this does not automatically reinstate your contract with the apartment complex - once you have broken your contract, they have the legal right to collect against you, sue you, garnish you etc. When you promise to pay the check off, you have made an attempt to compromise a debt. The apartment complex is legally entitled to treat your attempt to pay off the check as an attempt to compromise the debt. As such, they may take the check and apply it against additional charges you agreed to pay if you cancelled your contract, and you would be responsible to pay the additional charges. However, the apartment complex is not required to take your check at all, as you have legally and technically broken your contract with them. Bottom line, see if you can talk to the apartment manager face-to-face and see if he/she will cut you a break and take the check and call it good without dinging your credit by reporting you to the credit bureaus, or assigning your check to collections and/or an attorney. If you can talk to them face-to-face and explain your situation they may be willing to be decent to you. Good Luck!

Answer 5

Do a letter of intent and apology to the apartment complex.
Ask for a letter of intent on their side.

Answer 6

There's usually a number issued that you can call to straighten these matters out.

Answer 7

no i really don't think that you can do anything else but check with your bank there might be something else that you can do

Answer 8

yup

Answer 9

no