Bounced Check Collection Agency NSF Check Collection Agency Bad Check Collection Agency NSF Checks Bad Check Collection Agency NSF check bad check collection bounced check collect bad check nationwide NSF check collection agency bounced checks free nsf check collection bounced check collections
Bounced Check Collection Agency NSF Check Collection Agency Bad Check Collection Agency NSF Checks Bad Check Collection Agency NSF check bad check collection bounced check collect bad check nationwide NSF check collection agency bounced checks free nsf check collection bounced check collections
Bounced Check Collection Agency NSF Check Collection Agency Bad Check Collection Agency NSF Checks Bad Check Collection Agency NSF check bad check collection bounced check collect bad check nationwide NSF check collection agency bounced checks free nsf check collection bounced check collections
Bounced Check Collection Agency NSF Check Collection Agency Bad Check Collection Agency NSF Checks Bad Check Collection Agency NSF check bad check collection bounced check collect bad check nationwide NSF check collection agency bounced checks free nsf check collection bounced check collections
Bounced Check Collection Agency NSF Check Collection Agency Bad Check Collection Agency NSF Checks Bad Check Collection Agency NSF check bad check collection bounced check collect bad check nationwide NSF check collection agency bounced checks free nsf check collection bounced check collections
Bounced Check Collection Agency NSF Check Collection Agency Bad Check Collection Agency NSF Checks Bad Check Collection Agency NSF check bad check collection bounced check collect bad check nationwide NSF check collection agency bounced checks free nsf check collection bounced check collections
Bounced Check Collection Agency NSF Check Collection Agency Bad Check Collection Agency NSF Checks Bad Check Collection Agency NSF check bad check collection bounced check collect bad check nationwide NSF check collection agency bounced checks free nsf check collection bounced check collections
Bounced Check Collection Agency NSF Check Collection Agency Bad Check Collection Agency NSF Checks Bad Check Collection Agency NSF check bad check collection bounced check collect bad check nationwide NSF check collection agency bounced checks free nsf check collection bounced check collections
Tennessee Bad Check Laws

Tennessee Notice of Bad Check or NSF Check - Civil Laws

This is a Notice of Bad Check or NSF Check - Civil. A "dishonored check" (also known as a "bounced check" or "bad check") is a Bad Check or NSF check which the bank will not pay because there is no such checking account, or there are insufficient funds in the account to pay the Bad Check or NSF check. In order to attempt the greatest possible recovery on a Bad Check or NSF check, the business owner, or any other person given a Bad Check or NSF check, may be required by state law to notify the debtor that the Bad Check or NSF check was dishonored.

Tennessee Bad Check Law Summary - Tennessee Notice of Bad Check or NSF Check - Civil Laws
Tennessee Bad Check Law Summary
Notice of Bad Check or NSF Check

Note: This summary is not intended to be an all inclusive summary of the Tennessee bad check laws, but does contain basic and other provisions.

TITLE 21
CHAPTER 21-57
21-57-1. Liability for dishonored bad check or NSF checks, drafts or orders - Minimum and maximum amounts - Court costs and interest - Satisfaction.
In any civil action brought for the purpose of collecting a bad check or NSF check, draft, or order of payment, any person who makes, draws, or issues any bad check or NSF check, draft, or order of payment that is dishonored and is not paid within thirty days after mailing of a notice of dishonor sent in compliance with 21-57-4 and 21-57-5 is liable to the holder or assignee for collection for an amount equal to three times the face amount of the bad check or NSF check. However, in no case, including any combination pursuant to 21-57-6, may the liability for damages be less than one hundred dollars nor greater than two hundred dollars. The maker, drawer, or issuer is also liable to the holder or assignee for allowable court costs, filing fees, and interest computed at the legal rate from the date of the bad check or NSF check, draft, or order that payment was issued. Subsequent to the commencement of an action as provided for in this section, but prior to the court hearing, the maker, drawer, or issuer may tender to the holder or assignee, as satisfaction of the claim, an amount of money equal to the face amount of the bad check or NSF check together with the returned bad check or NSF check fee as provided for under 57A-3-421 together with accrued interest and incurred court costs.


TITLE 21
CHAPTER 21-57
21-57-2. Final judgment required before liability asserted.
No holder or assignee for collection may assert that any maker, drawer, or issuer has any liability pursuant to 21-57-1 unless such liability has been determined by entry of a final judgment by a court of competent jurisdiction.


TITLE 21
CHAPTER 21-57
21-57-3. No liability in certain circumstances.
The maker, drawer, or issuer is not liable for the damages and costs specified in 21-57-1 if: (1) The account contained sufficient funds or credit to cover the bad check or NSF check, draft, or order at the time the bad check or NSF check, draft, or order was issued, plus all other bad check or NSF checks, drafts, and orders on the account then outstanding and unpaid; or

(2) The bad check or NSF check, draft, or order was not paid because a paybad check or NSF check, deposited in the account in an amount sufficient to cover the bad check or NSF check, draft, or order, was not paid upon presentation; or

(3) Funds sufficient to cover the bad check or NSF check, draft, or order were garnished, attached, or setoff and the maker, drawer, or issuer had no notice of such garnishment, attachment, or setoff at the time the bad check or NSF check, draft, or order was issued; or

(4) The maker of the bad check or NSF check, draft, or order was not competent or of full age to enter into a legal contractual obligation at the time the bad check or NSF check, draft, or order was issued; or

(5) The making of the bad check or NSF check, draft, or order was induced by fraud or duress; or

(6) The transaction which gave rise to the obligation for which the bad check or NSF check, draft, or order was given lacked consideration or was illegal.


TITLE 21
CHAPTER 21-57
21-57-4. Notice of dishonor - Writing - Service.
Notice that a bad check or NSF check, draft, or order has not been paid upon presentment shall be in writing and given in person and receipted for, or by personal service, or by depositing the notice by certified mail, return receipt requested and postage prepaid, in the United States mail and addressed to such person at the address shown on the bad check or NSF check or at the most recent address known to the sender. If the notice is mailed and not returned as undeliverable by the United States Postal Service, notice shall be conclusively presumed to have been given on the date of mailing. For the purposes of this section, the term, undeliverable, does not include unclaimed or refused.


TITLE 21
CHAPTER 21-57
21-57-5. Notice of dishonor - Information required.
The notice given pursuant to 21-57-4 shall include the following information regarding the unpaid bad check or NSF check, draft, or order: (1) The date the bad check or NSF check, draft, or order was issued;

(2) The name of the bank, depository, person, firm, or corporation on which it was drawn;

(3) The name of the payee;

(4) The face amount;

(5) A statement of total amount claimed, which shall be itemized and may not exceed the amount permitted pursuant to 21-57-1.

(6) A statement that the maker has thirty days from the date notice was given to make payment in full of the total amount claimed; and

(7) A statement that, if the total amount is not paid within thirty days after the date notice was given, the maker is liable in a civil action for three times the face amount of the bad check or NSF check but not less than one hundred dollars nor greater than two hundred dollars and that, in such civil action, the court may award court costs to the payee, holder, or assignee for collection.
TITLE 21
CHAPTER 21-57
21-57-6. Instruments and actions for recovery may be combined -- Venue.
If the same person is the maker, drawer, or issuer of two or more bad check or NSF checks, drafts, or orders, such instruments may be combined. An action for their recovery pursuant to 21-57-1 may be brought in any county in which one of the dishonored bad check or NSF checks, drafts, or orders were issued or in the county in which the bad check or NSF check writer resides. A cause of action under this section may be brought in small claims court, if the amount of the demand does not exceed the jurisdiction of that court, or in any other appropriate court.


TITLE 21
CHAPTER 21-57
21-57-7. Criminal prosecution not precluded.
Nothing in 21-57-1 to 21-57-7, inclusive, prevents the criminal prosecution of the person who makes, draws, or issues a dishonored bad check or NSF check, draft, or order.


TITLE 57A
CHAPTER 57A-3
PART 4
57A-3-421. Collection costs and expenses -- Liability of issuer of dishonored bad check or NSF check.
If a merchant or place of business conspicuously posts a notice on its premises or if a merchant or place of business regularly extends credit and prints a notice on its customer statements of such size and location as to be conspicuous, stating that a fee will be assessed against returned bad check or NSF checks, any person who issues a bad check or NSF check or other draft to the merchant or place of business which is not honored for any of the following reasons upon presentment is liable for all reasonable costs and expenses of collection: (1) The drawer's account is closed;

(2) The drawer's account does not have sufficient funds; or

(3) The drawer does not have sufficient credit with the drawee. The costs and expenses provided for in this section are reasonable if they do not exceed thirty dollars.
 

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