Complete Legal Illinois Bad Checks Forms For Free

Finally, there's the possibility of criminal charges for deceptive practices. That's a Class A misdemeanor?maximum penalty 1 year and $1,000. It becomes a Class 4 felony?maximum 3 years?if you obtain at least $150 worth of property within 90 days with your bad check(s).

You may be responsible for repaying the entire amount of the check. While bank policies and state laws vary, you may have to pay the bank the entire amount of the fraudulent check that you cashed or deposited into your account. You may have to pay overdraft fees.

The Demand Letter Your demand letter must request that you be paid the full amount of the check, any bank fees and the cost of mailing the demand. It also tells the person who gave you the bad check, that if they do not pay within 30 days of your mailing the demand letter, you can sue for the check plus damages.

Your check was dated [date of check] and was drawn on the [name of bank]. The account was in the name of [name on account holder]. Your bank returned the check to us due to insufficient funds (or because the account was closed). You must make payment to us immediately to avoid legal action.

Penalties for Check Fraud Under 720 ILCS 5/17-1, the commission of a ?deceptive practice? will generally be considered a Class A misdemeanor, which is punishable by up to one year in jail and a fine of $2,500. The law sets out several exceptions that will upgrade the offense to Class 4 felony, however.

Send certified mail. The check you wrote for $________, dated ______, which was made payable to _____________(write your/payee's name here), was returned by ______________ (write name of bank) because ____________(account was closed OR the account had insufficient funds).