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Make no mistake; unlawfully issuing a worthless check is a crime. Iowa Code 714.1(6) sets forth a process that a victim must follow when dealing with bad checks: "a.)
Issuing A Bad Check Is A Class A Misdemeanor when: The face amount of the check does not exceed $1,000 and you have been convicted for Issuing a Bad Check within the past 12 months. Issuing a Bad Check is a Class B Misdemeanor in all other circumstances.
Writing a bad check is a crime if the check writer knew that there were insufficient funds to cover the check and intended to defraud you. It is also a crime to forge a check or write a check.
714.2A Theft against an older individual. a. If a person commits theft in the first degree pursuant to section 714.2, subsection 1, the person is guilty of a class ?B? felony. b. If a person commits theft in the second degree pursuant to section 714.2, subsection 2, the person is guilty of a class ?C? felony.
State Bad Check Laws ? All 50 States StateFelonyWage GarnishmentIdahon/aUp to 25% of weekly disposable incomeIllinois>$150 if subsequent offenseUp to 15% of weekly disposable incomeIndiana>2,500 if property acquired was a motor vehicleUp to 25% of weekly disposable incomeIowa>$20Up to 25% of weekly disposable income22 more rows
If the certified 10-day notice letter is not accepted by the party who wrote the check, you should contact the Sheriff's Department and have them attempt to make personal service of the 10-day notice. If the check owner responds that the check was stolen or forged, call the police department.
The merchant may claim either triple damages (three times the face value of the check, as long as the total recovered would not exceed by more than $500 the face value of the check) or a $30 bad check surcharge (pursuant to Iowa Code §554.3512).
If you try to cash or deposit a check and it comes back as bad, your first step is to reach out to the person who wrote the check and try to resolve the situation. Get payment for the check amount, as well as any fees you were charged, if possible. You can also call the bank.