Bad Checks, Somebody Help?

Question

Me and my wife, around a month ago had a substance abuse problem. Since then we have been clean. And are trying to fix our outstanding debts. I recently have been reading on here about how serious bad checks are. And having 10 out ourselves I'am scared my wife or me may open our door to a police officer one day soon. I'am trying to find ways to pay these bad checks off asap. I just want to know if most places will send a return check to a prosicuting attorney and if so will you recieve notice in time to pay before being arrested. I' am serious about paying my debts back and the last thing I need right now is for my wife to go to jail.

Answer 1

This depends on what you called bad checks! Is this an account that you currently have open, but with insufficient funds to make your checks clear or is your account one that was closed and you wrote checks on an account that is no longer valid?

The former will hurt your credit rating and put you in Chexsystems as untrustworthy and the latter will get you tossed in jail for check fraud!

Trying to make your payments won't hurt but don't expect miracles.

Answer 2

Congratulations on being clean. When I left my husband, I left with just my kids and some clothes, I left my checkbook, credit cards everything. About 6 months later a sheriff was standing at my front door with an arrest warrant. I was arrested and I explained to the sheriff what happened and he advised me that it was easier to pay the checks than fight and prove that they were forged. I scrimped and saved to pay off the over $1000 in bad checks that were written to Walmart of all places. I was arrested and by paying the checks off it was the same as pleading guilty (what do I know, I have never been in trouble with the law) So the checks do not appear on my credid report BUT it does appear on a criminal background check. This I believe is the worst case, if this should happen to your wife and she is looking for a job or looking to change jobs it will appear there for a few years. Best bet is to try to pay off any outstanding checks that you have. Call the places that you wrote the checks to and they should be able to help you! Good luck!

Answer 3

After being processed and rejected the first time, in 2-3 days they will be sent in again, yes both times if not covered you will be charged and overdraft fee, if you where smart enough, and your bank offered it they do have overdraft protection in which case the checks are covered, but again a hefty fee, and if not paid withing 5 business days additional fees. If you do not you will receive written notice to make good on the money due, plus applicable fees with cash or money order usually withing 2 weeks, if not they will go to the courts and have an warrant issued for your arrest on fraud. Best thing to do is to contact those you have wronged, explain the situation and try to come to an agreement, by explain mean to say have had some extreme family problems, and financial situations, and see if you can resolve one on one. Best of luck to you, hang in there

Answer 4

Having 2 or 3 checks is not such a big deal. 10 checks out is definately an eye opener for the bank and they know you intended to defraud them. If the bank paid these checks, its much easier for you to pay them back. If they didnt, then the stores are probably going to send you a bill if you are lucky asking for the money plus 25 to 50 dollars for bounced checks. I would get a second job, collect cans from garbage dumpsters, beg for money on the street to get this taken care of as soon as possible.

Answer 5

Most businesses will send you a notice stating you have 15-30 days to make good on the check and fees. Then they can send it to a collection agency or file charges. It goes to the DA when this process fails. Then you are serviced for court by a police officer or sheriffs deputy. They will not arrest you unless you have defrauded the business or the check was fraudulant. hope i spelled it right.

Answer 6

maximum places that acquire undesirable tests do deliver a word with reference to the very actuality. you could bypass and search for suggestion from the owner or administration and see in case you could make good on them. maximum states require that a word be despatched before any criminal action will be taken. merely remember that maximum places have a back examine fee on precise of what the examine volume changed into well worth. If worst is composed of worse, attempt casting off a private loan to conceal the expenditures of the tests you've written. it will be a lot less complicated to pay slightly back on a private loan each and each month than a wide sum of money at one time. i'm satisfied to hearken to that you and your spouse were clean. proceed to stay that way and good success.

Answer 7

Depends on how much the check was for if they'll pass it on to the courts or not for prosecution.

I'm sure the checks have been proudly displayed at the businesses in question with the big NSF stamp on them for the whole world to see that you spend money that you don't have.

As to the bank turning you in for, in effect, stealing their money, I'm not sure if they will. I'm sure they charged you NSF fees for each and every one that you handed out.

I'm thinking that you should contact the places you wrote the checks to and tell them that you're going to make restitution.

Answer 8

contact your bank they are the ones who would have that information and you could go to jail for uttering a forged document..well thats what they call it up here in vermont. good luck

Answer 9

congrats on changing your lifestyle. go to legal aid and see if they can help you. you also should turn to God for guidance. Call all people you gave bad checks to & promise to pay them back and apologize!!! God bless & keep you safe.