Turn Bounced Cheques Into Legal Victory

When is Cheque Bounce Punishable

A cheque bounce becomes a criminal offense when a cheque is issued for discharge of a debt or liability, the cheque is presented within its validity period (three months), the cheque is dishonored by the bank for insufficient funds or exceeding arranged credit limit, the payee makes a written demand for payment within 30 days of receiving dishonor information, and the drawer fails to make payment within 15 days of receiving the demand notice.

If these conditions are met, the drawer commits an offense punishable with imprisonment up to two years or fine up to twice the cheque amount or both.

Common Reasons for Cheque Dishonor

Cheques bounce for various reasons, but only specific grounds attract criminal liability. Insufficient funds in the account occurs when the drawer doesn't have enough money to cover the cheque amount. Exceeding arrangement means the amount exceeds any credit arrangement with the bank.

Other reasons for dishonor don't automatically constitute criminal offenses but may form civil disputes including signature mismatch, account closed, post-dated cheque presented prematurely, altered cheque, or stop payment instructions. However, if these reasons are used to deliberately avoid payment despite actual liability, criminal action may still be possible.

Defense Against Cheque Bounce Cases

Not everyone accused in cheque bounce cases is actually guilty. I also represent drawers facing cheque bounce complaints. Valid defenses include no debt or liability existed (cheque given as security or under threat), cheque amount exceeded actual debt, drawer had sufficient funds but bank error caused dishonor, legal notice wasn't received or was improper, complaint filed after limitation period, or cheque was obtained through fraud or misrepresentation.

Successfully defending cheque bounce cases requires early legal intervention and thorough preparation. I examine the circumstances under which the cheque was issued, verify notice procedures were properly followed, identify procedural irregularities, gather evidence supporting defenses, and negotiate settlements when appropriate.

Why Choose Me as Your Cheque Bounce Lawyer

With extensive experience in NI Act cases throughout Kolhapur courts, I understand the technical requirements and procedural nuances that determine case outcomes. Whether you're seeking to recover money from bounced cheques or defending against allegations, I provide effective representation.

I maintain realistic expectations, clearly explaining the legal process, timelines, and likely outcomes. My fee structure is transparent, and I work efficiently to resolve cases through settlement when possible or vigorous litigation when necessary.

Recover Your Money or Defend Your Rights

Dishonored cheques shouldn't be ignored. For payees, timely legal action is essential to recover amounts due. For drawers facing complaints, early legal consultation helps identify defenses and negotiate settlements.

Contact Advocate Ashwini Palsule at 8767875844 for expert assistance with cheque bounce matters. Together, we'll pursue your legal remedies effectively.