Help Us Stop Bad Checks
Each year in America, victims of worthless checks lose hundreds of millions of dollars. Writing a worthless check drawn on non-sufficient funds or closed accounts is a crime. This form of theft is a major contributor to retail bankruptcies. Our Check Enforcement Unit can help you stop this theft and protect you and your business.
What are the kinds of checks we can and can’t recover?
Under Alabama law, we can only recover certain checks. We cannot help recover checks that were written for a lease, rent or loan payment, or for a cash advance where a contract of any kind was signed. Filing a claim in small claims court may collect checks such as these. You may wish to consult your attorney.
We also cannot help recover checks that are stamped by the bank with STOP PAYMENT, IRREGULAR SIGNATURE, FROZEN ACCOUNT, FROZEN FUNDS, or FORGED. Checks that are stamped with IRREGULAR SIGNATURE or FORGED should be reported as forgeries to your local police department, the Mobile City Police Department or Mobile County Sheriff’s Department.
We CAN help recover bad checks that meet these criteria:
- Recovery initiated by payee within one year of the check date;
- Transaction took place in Mobile County;
- No payments made on the check;
- Check processed by the bank and stamped with one of the following reasons for its return unpaid: NSF, REFER TO MAKER, ENDORSEMENT CANCELLED, ACCOUNT CLOSED or NO ACCOUNT FOUND.