Civil And Criminal Laws On Writing Bad Checks

April 11, 2013 - PRLog -- Bad checks are known by many names, some of which include bounced checks, bogus checks, bounced checks and many more names. Whenever a check bounces, or is rejected for whatever reason, both the payer and payee usually incur a loss of a certain kind, with the former paying the highest price. In the United States, the laws regarding the issuance of bad checks vary from state to state, even though there are general federal laws and regulations.

There are some NSF checks, or bad checks that are usually not considered fraud and are normally exempt from be punishable by bad check laws. Section 3-104(2)(b) of the UCC, defines a check as "a draft drawn on a bank and payable on demand". The first type is a postdated check, since it is not payable on demand, is usually considered, by most states, that the writing of a post-dated check is not a fraudulent act and is not punishable under bad check laws. The second type is the writing of a bad check if they are used to pay a past or ongoing debt, such as a note payment or invoice. However, if you give a creditor a NSF check or bad check for a COD order, then would be considered to be within the bad check laws.

If you write a bad check, otherwise referred to as NSF checks, bounced checks, rubber checks, insufficient checks and bogus checks, you should be aware that writing fraudulent checks can come with both civil and criminal penalties, such as possible jail time and fees. One Compaby called "Bad Credit MD" has summarized the civil and criminal penalites for issuing a bad check in each state. This information is located at http://www.badcreditmd.com/bad-check-laws/

Bad Credit MD, is a free On-line consumer information guide that helps people with credit problems in Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.

Bad Credit MD has been in business helping consumers with bad credit since April of 2007 and is a subsidiary of Enticing Designs Publishing. The staff has various backgrounds in the financial and mortgage industry. This self-help site has over 500 pages of credit advice and articles. Its staff has researched its information with various governments around the world to provide the most comprehensive and accurate information free of charge.