Writing a bad check is immoral and illegal. No business can stay alive if people are not paying for the goods that they buy. Accidentally bouncing a check happens from time to time. It is usually an embarrassing situation that results in a small fine. However, it could be a crime that can land you in jail for several months or years. Avoid jail time by simply writing checks that you know you can cover.
Overdraft protection can be a good way to avoid bouncing checks and saving on overdraft fees. You start by setting up a secondary account. Usually this is a savings account or a credit card. If the primary account is overdrawn, then it will dip into the secondary account. Overdraft protection may have a monthly fee, and you may be charged a smaller fee for having to dip into the secondary account. Research the applicable fees to see if the protection is worth it.
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.
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