Law Office of Paul Arons
(360) 378-6496
info@checkrestitution.com
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Is a debt collector demanding that you pay excessive fees because you accidentally “bounced” a check?
 
Did you receive a letter from the "Check Enforcement Program," or the "District Attorney Bad Check Restitution Program?" 

 

IF YOU WROTE A CHECK THAT DID NOT CLEAR, YOU SHOULD TAKE CARE OF IT.  BUT SOME UNSCRUPULOUS COMPANIES ARE MAKING MILLIONS OF DOLLARS, COLLECTING EXAGGERATED FEES ON UNPAID CHECKS. OFTEN, THE FEES ARE JUST SOMETHING THE COLLECTOR INVENTED. FEDERAL LAW PROHIBITS DEBT COLLECTORS FROM LYING TO YOU OR COLLECTING FEES THAT YOU DO NOT OWE.  SOME OF THE COMMON ABUSES ARE:

  • Adding unlawful service charges or other fees

  • Falsely threatening to have you criminally prosecuted, or to sue you

  • Lying to you about who they are, or what will happen if you don’t pay all their fees

If you wrote a check that did not clear, you may owe the check amount, plus a service charge.  Each state has different laws, limiting the fees you may be charged. 

Debt collectors often take advantage of the embarrassment or guilt you feel if you thought your check was good, but later found out it bounced.  You may get a letter that looks like it's from a law office, and threatening you with a lawsuit, or telling you that your wages will be garnished.  You may get a letter on district attorney letterhead, from a “District Attorney Bad Check Restitution Program”, or the “Check Enforcement Program.”  Sometimes they call it "Bad Check Diversion."  The letter may tell you that you have been accused of a crime, and may enroll in a bad check diversion program to avoid being prosecuted.  Often, these checks have been sent to these private companies by other debt collectors, like Certegy Payment Recovery or TRS Recovery Services. 
 
  • The companies that send these letters may be violating the law by making illegal threats or charging excessive service charges or other fees. 
In this office, we have twenty years of experience in dealing with abusive check collectors.  We have successfully sued check collectors for millions of dollars in class action lawsuits.  We cannot give you advice on this website, but if you contact us, we may be able to assist you.  We are licensed to practice law in California, but we work collaboratively with lawyers throughout the United States.
 

IF YOU HAVE BEEN THREATENED BY A DEBT COLLECTOR ABOUT AN UNPAID CHECK, CONTACT THIS OFFICE TO DISCUSS YOUR PROBLEM.  There is no charge for a consultation.  Usually, the debt collector who is threatening you has to pay our fee and you pay nothing.

 
 
 
 
The material on this website is for informational purposes only and is not legal advice.  Transmission of the information on this website is not intended to create an attorney-client relationship.  See full disclaimer 
 
 
info@checkrestitution.com 
1-360-378-6496