Menu

ECU: Bad Check Diversion

 

UPDATED: October 29, 2007

banr-ecu

 

images tips badcheck

lease2

barcode news filecabinet
ECU home Merchant
Tips
Bad Check Diversion Unreturned Rental Property Diversion Retail Fraud Diversion News &
Events
Stats &
Newsletters

 


Bad Check


Bad Check Diversion Program

 

The Bad Check Diversion Program Works Because ...

  • Bad Check reports are easy to file and follow-up action is prompt.
  • Upon recovery, 100 percent of the face value of the check is returned to the merchants, plus applicable bank charges.
  • There is no minimum dollar restriction.

 

Key Terms

  • Bad Check: a check that is not honored when presented at the bank. The bank may indicate that the check was dishonored due to "insufficient funds", "closed" or some other reason.
  • 5-day notice: a formal letter that lists the appropriate Michigan statute governing checks and instructs the bad check writer to make immediate payment or face prosecution.
  • Complaint: the form that begins the formal criminal proceeding, it contains sections for relevant information about your business, the bad check writer and the bad check.

 

Steps in the Process

Step 1: Present the check to your Bank
Before the Economic Crimes Unit (ECU) considers a check for prosecution, the check must be deposited with your bank, even if you suspect the check will not clear.

 

Step 2: Send the 5-Day Notice letter
Once the check returns as dishonored, you must use the notice formprovided by the ECU and send the bad check writer a 5-day notice.

 

Step 3: Submitting Documents to the ECU
If the bad check writer does not respond within 10 days, completely fill out the complaint formprovided by the ECU, attach photocopies of the dishonored check and notice letter sent, then mail all documents to the ECU.

 

 

Checks that are NOT accepted

  • Checks that are not passed in Eaton County.
  • The identity of the check writer is unknown.
  • Checks that are pre-dated.
  • Checks that are post-dated, or where an agreement was made to hold the check for later payment.
    (Merchants beware: if you accept post-dated checks you do so at your own risk, because the check's message is "there isn't enough money in the account to cover the check today"!)
  • Checks that are altered or suspected of being forgeries or counterfeit.
  • Two-party checks.
  • Payroll checks.
  • Stop-payment checks.
  • No amount, date or signature on the check.
  • Numeric and written amount on the check do not match.
  • Checks that are over 180 days old.

* * * NOTE: * * *
Checks that are ineligible for the
Eaton County Prosecuting Attorney's Bad Check Restitution Program
may still be eligible for collection by the Merchant
via small claims court or by a private collection agency.

 


 

Forms & Documents

 

Bad Check Program
ECU Merchants' Complaint Form (21 kb)
ECU Notice Letter (8 kb)
Warning Sign for display by Merchants (13 kb)

 

| Eaton County Home | Prosecuting Attorney Home | Office Info | Paperless Files | Press Releases | Site Map |
| Victims | Domestic Violence | PPOs | Witnesses | Appeals | Economic Crimes | Family Support |
| Criminal Case Process | Downloads | FAQs | Legal Glossary | Gov't & Search Links | Prosecutor Web Site Index |
 

© 1997-2013 Office of the Eaton County Prosecuting Attorney | Disclaimers | Thanks
© 1997-2013 Eaton County Information Systems
Site developed and maintained by Neil F. O'Brien

Jury Calendar

July 2014
S M T W T F S
29 30 1 2 3 4 5
6 7 8 9 10 11 12
13 14 15 16 17 18 19
20 21 22 23 24 25 26
27 28 29 30 31 1 2
August 2014
S M T W T F S
27 28 29 30 31 1 2
3 4 5 6 7 8 9
10 11 12 13 14 15 16
17 18 19 20 21 22 23
24 25 26 27 28 29 30
31 1 2 3 4 5 6
Go to top