Help Us Stop Bad Checks
Each year in America, victims of worthless checks lose hundreds of millions of dollars. Writing a worthless check drawn on non-sufficient funds or closed accounts is a crime. This form of theft is a major contributor to retail bankruptcies. Our Check Enforcement Unit can help you stop this theft and protect you and your business.
What are the kinds of checks we can and can’t recover?
Under Alabama law, we can only recover certain checks. We cannot help recover checks that were written for a lease or loan payment, or for a cash advance where a contract of any kind was signed. Filing a claim in small claims court may collect checks such as these. You may wish to consult your attorney.
We also cannot help recover checks that are stamped by the bank with STOP PAYMENT, IRREGULAR SIGNATURE, FROZEN ACCOUNT, FROZEN FUNDS, or FORGED. Checks that are stamped with IRREGULAR SIGNATURE or FORGED should be reported as forgeries to your local police department, the Mobile City Police Department or Mobile County Sheriff's Department.
We CAN help recover bad checks that meet these criteria:
How to Start the Recovery Process:
If the check is stamped NSF, REFER TO MAKER or ENDORSEMENT CANCELLED:
If the check is stamped ACCOUNT CLOSED or NO ACCOUNT FOUND, a certified mail notice is not required. Follow steps 3 - 5 only.
After You Take These Steps, We Will Do The Rest.
We operate with the full authority of the Mobile County District Attorney's Office and the laws of the State of Alabama. If, after 6 weeks, you have not received a check from our office, please call to determine the status of the recovery effort on the check(s) you reported. Also, if you would like a monthly print out concerning the status of your check(s), we can mail, fax, or e-mail this information upon your request.
How We Treat Worthless Check Writers
We are firm and polite in our enforcement of checking laws. Our Check Enforcement team members can help bad check writers who cooperate by arranging payment plans. They can also refer counseling to those individuals who need to learn how to be more responsible in their use of checks. In addition to working with people who cooperate, our Check Enforcement Team is also experienced in skip tracing, arresting, and prosecuting those who choose not to cooperate.
Helpful Hints That Can Speed Bad Check Recovery