뉴저지 첵크 바운스? - ASK미국

p**kp16**** 님 답변 답변일 5/8/2017 10:41:37 AM

제 생각에는 수표를 써주신 분이 도를 넘으신것 같네요.
밑에 링크를 걸어 들입니다... 참고하시면 좋을 듯하네요....

Expert: Law Pro replied 6 years ago.
Then you have to send them a notice to make the check good. If they don't then you can file criminal charges.

The statute is:

Under 2A:32A-1 of the New Jersey Statutes, any person who issues a check which is subsequently dishonored for lack of funds or credit to pay, or because the issuer does not have an account with the drawee, may be liable for the face amount of the check, attorney fees, court costs, costs of mailing a demand for payment, and damages in an amount equal to $100.00 or triple the amount of the check, whichever is greater, but not to exceed $500.00. The holder of a bad check may seek damages under this provision if he send a required written demand for payment to the maker of the bad check and the maker fails to pay the face amount of the bad check in cash or by cashier's or certified check within 35 days from the date of the written demand. The written demand must be sent by certified mail to the bad check maker's last known address, and shall be in the following form and printed in both the English and Spanish languages:

DEMAND FOR PAYMENT OF DISHONORED CHECK

DATE:.............................................
TO:..................................................
(NAME OF MAKER [person who wrote the check] )

WARNING: YOU MAY BE SUED IF YOU DO NOT MAKE PAYMENT OF THE AMOUNT SHOWN ON THIS NOTICE WITHIN 35 DAYS AFTER THE DATE THIS NOTICE WAS MAILED.

.................................................................................................................
LAST KNOWN RESIDENCE ADDRESS OR PLACE OF BUSINESS

OUR CHECK/DRAFT/ORDER IN THE AMOUNT OF $...............DATED............., PAYABLE TO XXXXX ................................ HAS BEEN DISHONORED BY THE BANK OR OTHER DEPOSITORY UPON WHICH IT HAS BEEN DRAWN BECAUSE:

....THE MAKER HAD NO ACCOUNT WITH SUCH BANK OR DEPOSITORY

....THE MAKER HAD INSUFFICIENT FUNDS ON DEPOSIT WITH SUCH BANK OR DEPOSITORY

IF YOU DO NOT MAKE PAYMENT WITHIN 35 DAYS AFTER THE DATE THIS NOTICE WAS MAILED, YOU MAY BE SUED TO RECOVER PAYMENT. IF A JUDGMENT IS RENDERED AGAINST YOU IN COURT, IT WILL INCLUDE NOT ONLY THE ORIGINAL FACE AMOUNT OF THE CHECK/DRAFT/ORDER, BUT ALSO ADDITIONAL LIQUIDATED DAMAGES OF NOT LESS THAN ONE HUNDRED DOLLARS ($100) NOR MORE THAN THE FACE AMOUNT OF THE CHECK/DRAFT/ORDER PLUS FIVE HUNDRED DOLLARS ($500).

PLEASE MAKE PAYMENT IN THE AMOUNT OF $..............TO: ............................ (NAME OF PAYEE) ......................................... ADDRESS TO WHICH PAYMENT SHOULD BE DELIVERED.

y**ngshinja**** 님 답변 답변일 5/9/2017 11:23:33 AM

Post Dated check이 아니면 뉴저지 주법에 bad check은 형사로 고발할 수도 있습니다. 형사로 고발하기 위해서는 그 사람의 고의성이 입증이 되어야 하는데, 우선은 bounce가 난 체크를 카피해서 상대방에게 certified mail로 통지하시고 새 체크를 10일이내에 재발급해 달라고 하시기 바랍니다. 이런 노력에 상대가 대응을 하지 않으면 bounce난 체크와 상대에게 보낸 메일사본등을 갖고 경찰에 고발하시기 바랍니다. 위에서 전문가가 말씀하신 것 처럼 금액이 크지 않다면 특별한 조치를 취할 수 없을지도 모르지만, 입건이 될 경우에 상대에게 불리한 기록이 남아서 나중에라도 다른 사람이 똑같은 고발을 할 경우에 곤란에 빠질 수 있습니다. 뉴저지 법에는 bounced check으로 인해서 형사입건이 될 경우 6개월 이상의 형을 살 수도 있기때문에, 상대도 형을 살지 않기위해 돈을 갚을 수도 있습니다.

Below are the civil and criminal penalties for writing a bad check in New Jersey under N.J.S.A. 2C:21-5 and 2C:20-4.

Civil Penalties: Any person who makes out a check that is dishonored for lack of funds or because the maker does not have an account with the drawee, and who then fails to pay the face amount within 10 days after the date a demand for payment of dishonored check notice was sent to the dishonored check writers last known address, then the party shall be liable to the payee, in addition to the amount owing upon the check, for attorney fees, court costs and the costs of mailing the written demand for payment, plus damages in an amount equal to $100 or triple the amount for which the check is drawn or made, whichever is greater. However, damages recovered shall not exceed more than $500 of the amount of the check.

Criminal Penalties: A check less than $200 is a disorderly person's offense which is punishable with up to six months jail, a fine of up to $1,000, restitution, community service and/or probation. Check between $200 and $999 is a fourth degree charge that can come with up to 18 months in prison. Dishonored checks between $1,000 and $74,999 is a third degree charge punishable up to 5 years in prison. Bad checks written of $75,000 or higher is a second degree charge that can lead to a 10 year prison sentence.

탈퇴한 전문가 님 답변 답변일 5/8/2017 10:52:58 AM

결론적으로 체크를 써주신 분이 은행에 재산 혹은 다른 재산(집, 자동차 등등) 없으시다면 소액 재판을 하셔서 이긴다고 하셔도 돈을 회수 할수 있는 방법은 희박 할수 있습니다.
각주마다 법이 다른걸로 알고 있습니다. 남가주 에 경우 3번 체크가 바운스 날경우 형사상의 처벌을 할수 있다고 들었습니다. 즉 형사 처벌을 한다고 해서, 돈을 받을수 있다는 의미는 아니라고 사료 됩니다. 금액 크지 않다면, 형사 고발을 한다고 해도, 특별한 조취는 없을 확률이 있습니다.

** 변호사가 아니므로 법적 자문을 할수가 없으며, 개인적인 생각을 알려 드린것이니 참고 하시고, 법적인 문제는 변호사를 선임 하셔서 자문을 구하시기 바랍니다.**

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Q.뉴저지 첵크 바운스?

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