 City of Palos Heights - http://www.palosheights.org/government/departments/police/NonSufficientFundCheck.asp Home > Investigations > Non Sufficient Fund Check > Non Sufficient Fund Check The Illinois legislature has passed a law which provides a civil remedy for you to collect your losses when you have been given a non sufficient fund (NSF) check. The following is the procedure for you to use in an attempt to recover your loss:
1. In order to comply with the law, the check must be presented to the bank for payment twice, seven days apart. Make sure it is noted, either on the check or on an attached bank slip, that the check has not been honored because of non sufficient funds each time the check was submitted.
2. Complete the attached form letter and send it certified mail, return receipt requested, to the name and last known address of the individual who tendered you the NSF check.
3. Make sure you keep a copy of the form letter for your records. You will have to present the copy in court to establish that you made an attempt to recover the money for the NSF check.
4. If your letter is returned stamped "unable to locate", you may have cause for a criminal action. Contact the police department for further information.
If you have not received a response to your letter or restitution has not been made within 30 days of mailing your letter, go to the office of the Clerk of the Circuit Court, 10220 South 76th Avenue, Bridgeview, and explain you wish to proceed in a civil process to recover your losses from a NSF check. The Clerk will complete the appropriate forms and charge you a fee for filing the civil action papers. A fee will also be charged by the Sheriff for serving notice of the action to the person who wrote you the NSF check. These nominal fees will be returned to you as part of your award if you win the case. In addition, the court can award triple the amount owed you, plus attorney fees and court costs.
If you have any questions, please contact one of officers at 708-448-2131.
PRINT WINDOW | CLOSE WINDOW © 2006 City of Palos Heights, IL All Rights Reserved |