If a merchant is given a bad check, they can sue for the amount of the check plus bank fees. They may also add damages to the claim. The merchant can also take criminal action against the checkwriter if the consumer fails to rectify the situation in a timely manner.
One Company called Bad Credit MD, has detailed information on the civil and criminal actions merchants can take against consumers that have written them a check that has bounced. This information is located at http://www.badcreditmd.com/
Bad Credit MD, is a free On-line information guide that helps people with credit problems in Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.
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.
The best way to avoid overdraft and bounced-check fees is to properly manage a checking account so it does not lead to it being overdraw. Sometimes mistakes happen so if one does overdraw their account, they should deposit money into the account as soon as possible to cover the overdraft amount plus any fees and daily charges from the bank. Depositing money into the account can help avoid additional overdrafts and fees.
Many banks (as well as savings and loans and credit unions) offer "courtesy overdraft-protection,"