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Bad check to a collection company

Date: Fri, 04/06/2007 - 14:01

Submitted by galoans
on Fri, 04/06/2007 - 14:01

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Total Replies: 29


I set up a post dated check with a collection company called ACI who is working for a car company which financed a vehicle that was reposessed earlier this year. The check was post dated out 15 days and did not go through due the funds not being in the account. I recieved a call from ACI today saying they were going to contact the local sheriffs office and have me taken to jail for writing a bad check across state lines. The check was for $700.00 as was an initail installment to set up a payment plan. Do I need plan a jail visit or am I ok?


About 9 months ago I was in the same position. I wrote a bad check to a collection agency. I was served with a court papers and had to go to court. I was convicted of fraud. I went to jail in December and Ill be getting out next October hopefully, although its not that bad in here.


lrhall41

Submitted by on Fri, 04/06/2007 - 14:21

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Most DA'S don't prosecute post-dated checks because it is just a bad deal. Check with a lawyer,but I think you will be fine.

To the guest,you had best get a clue before you get a boot. To be convicted of fraud anywhere in the country,you must prove criminal intent beyond a reasonable doubt. So carry your collector behind back to Bass & whoever it is today.


lrhall41

Submitted by cajunbulldog on Fri, 04/06/2007 - 14:30

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I thought it was theft by deception not fraud when you get put in jail for writing bad checks....Hey Cajun Glad you saw this..I was just getting ready to PM you when I saw that you already posted a reply( I was afraid that the original poster would see this and freak out cuz I know i WOuld have)


lrhall41

Submitted by Leah on Fri, 04/06/2007 - 14:32

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If Da was to prosecute,it is theft,hot check.Whichever language your state code has for it. Where I live if a pdl or collector is involved,Da will not touch it because they know these businesses do not keep their word on when to put check in. Da knows they will intentionally put it in to punish person and scare the crap out of them. Op stills needs a lawyer to check this out,but I really don't see jail time. Collector and his bank will be allowed to assess additional fees for returned check. The only cases I have seen go to court on this were multiple checks at local stores and they still got no jail time provided they paid back what they owed. If they were to lock up everyone who bounced a check,where would we put the real criminals like collectors? :roll:


lrhall41

Submitted by cajunbulldog on Fri, 04/06/2007 - 14:40

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I am the original poster / I am in the state of GA. Where can I go and find the laws online?


lrhall41

Submitted by galoans on Fri, 04/06/2007 - 15:34

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And your check was for a substantial amount, I know in my state any check written for over $300 is considered a felony. I think you really need to work out some type of arrangement, that is a large check to leave out their unpaid and could be considered a felony, if you do not respond or take care of it.


lrhall41

Submitted by WHEREAMI? on Fri, 04/06/2007 - 15:41

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Steelers is right, you need to take care of this. I used to work in retail and we would prosecute anything over $500 for bad checks. It is a felony at the amount you have, at least in Ohio. Hmm, they must have changed the laws in Ohio. Thanks for the update Steelers. I know it used to be $500 but it has been years since I've had to deal with anything like this.


lrhall41

Submitted by Cow & Chicken on Fri, 04/06/2007 - 16:04

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I found this online from GA Law:

Giving a bad check to pay antecedent debt does not violate section. Giving of a check to pay an antecedent or pre-existing debt, without funds in the bank, and without obtaining anything of benefit thereby does not constitute a crime under this section. Vasser vs Berry, 85 Ga App 435, 69 S.E. 2d 701 (1952)
In my case, since this check was written to a creditor and I received nothing in exchange I read this as I am ok...


lrhall41

Submitted by on Fri, 04/06/2007 - 19:36

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Hello Cajunbulldog. I can't find the thread where you said this, but I will ask you about it here because I see you are in this thread and it makes me think of what you said. You said something like you were being whipped here on this board. By who? That's wrong. I read this board up and down daily, and no one has whipped you. You need to calm down.

The other moderators are laid back and funny. I love the banter between Jessi and Fins. Please calm down and you will see it's a better place to be. Please remember this is only the internet. None of it matters. This is not a corperation, just a bunch of people chatting. That's it. Settle down, and you will get along better with people here, and you won't have to be all uptight.

Take this as a suggestion, not an attack.


lrhall41

Submitted by on Fri, 04/06/2007 - 21:17

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:shock: :shock: I don't know what guest's problems are. Been with the same woman for 12 years now so that would rule out that theory.Only other woman is my 5 year old daughter. I try not to get distracted by drama like this. (By the way Guest,I will be asked Admin to keep an eye on your IP since you so love to take swipes at me) :lol:


lrhall41

Submitted by cajunbulldog on Mon, 04/09/2007 - 14:37

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