Bad Check!

[tougaloo69]

What is the name of your state? Mississippi

What happens if you write a $50.00 check at a convient store on a bank account that has been closed?

[Veronica1228]

Originally Posted by tougaloo69

What is the name of your state? Mississippi

What happens if you write a $50.00 check at a convient store on a bank account that has been closed?

My crystal ball is in the shop, but bad, bad things will happen to you. You could get a paper cut, or stub your toe, or have 7 years of bad luck.

Seriously, writing a bad check is illegal so one possibility is creating a criminal record for yourself. It could also be sent to collections and end up on your credit report. There are any number of possibilities. All of them bad.

[Happy Trails]

What do you want to do? Start a criminal record for yourself.

The first offense is a misdemeanor, punishable up to $500. and/or jail time up to 6 months.





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[zippysgoddess]

Yep, ever heard of check kiting? That is when you write a check on a closed account, or deliberately write one (or more) that you have no intention or means of making good on.

[Veronica1228]

Originally Posted by zippysgoddess

Yep, ever heard of check kiting? That is when you write a check on a closed account, or deliberately write one (or more) that you have no intention or means of making good on.

Actually Ver, check kiting is usually when someone has one account at Bank A and one account at Bank B. They then write an NSF check against Bank A and deposit it into Bank B. Then they write a check against Bank B to cover the NSF at Bank A and so forth.

The OP's scenario wouldn't really be considered kiting.

[JETX]

Originally Posted by tougaloo69

What is the name of your state? Mississippi

What happens if you write a $50.00 check at a convient store on a bank account that has been closed?

Under the laws of Mississippi, any person who issued a bad check is presumed to have the intent to defraud. (Section 97-19-57.) The writer of a bad check generally may be relieved of any liability if, within fifteen (15) days after receiving a notice of the dishonored check from the holder, has paid to the holder the sum of the check together with a service charge not to exceed thirty dollars ($30.00). The notice of dishonored check must substantially conform to the form and content as provided under Section 97-19-57(2).

If the person issuing the bad check failed to pay the check amount and the service charges within the fifteen (15) day period, the holder may seek the assistance of the District Attorney to seek restitution under a prescribed complaint procedure set forth in Mississippi Code Section 97-19-75. If the bad check issuer failed to respond to the District Attorney, and a court action is filed, he may be subject to fines, restitution and service charges, or in certain extreme situations, imprisonment. (Sections 97-19-67, 97-19-79.)

[zippysgoddess]

Thanks Veronica, sorry about that, I hadn't realized there was a difference.

[Veronica1228]

Originally Posted by zippysgoddess

Thanks Veronica, sorry about that, I hadn't realized there was a difference.

No problem.