What To Do When You Receive A Bad Check

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                                           What to do When You receive a Bad Check
                                                             By Stephen Bucaro

  What to do When You receive a Bad Check
 by: Stephen Bucaro

As a small business operator, personal checks may be one method to receive payment for your goods
or services. As a way to receive payment, a personal check is actually better than credit cards because
the fees are less and there can be no charge back.

Fortunately, most people are honest and studious in taking care of their checking account. But sooner
or later every small business operator will receive a bad check. The first thing to do is politely contact
the individual and give them an opportunity to make the check good.

Most times you'll find that the customer has simply been careless with their checking account or
finances. They will probably be embarrassed about the incident and will immediately replace the check
with a good one. Unfortunately, there are rare occasions when the individual who gave you the bad
check decides to make themselves scarce.

Note: If a personal check is for more than a few dollars, it's best to let the check clear before delivering
the product or service. Say, for example, that someone wants to buy your car with a personal check for
twice what the car's worth. Remember, a check is just a piece of paper until after it clears. They can
return to pick up the car after the check clears, or you can offer to drive with the individual to their bank
to get the cash.

There are three reasons why a personal check may not clear: "insufficient funds", "account closed", or
"stop payment". The proper action to take depends upon why the check didn't clear. If the check is
returned for "insufficient funds", and you can't locate the individual who wrote the check, file a crime
report at your local police station. If a police investigator can locate the individual who passed the bad
check, that individual will be required to pay you and/or spend some time behind bars.

If the check was returned "account closed", you may have a criminal case depending upon when the
account was closed. If the account was closed before the date the check was written, you definitely
have a criminal case. If the account was closed afer the check was written, the court may determine
that you didn't present the check for payment in a timely manner. In that case, you have a civil matter,
not a criminal complaint.

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If the check was returned because of a "stop payment", you have a civil matter. Some people try to
save time and work by filing a crime report for ANY check that doesn't clear. This can result in the
individual who gave you the check being arrested. They may miss work and encounter a host of other
problems as a result of your FALSE crime report.

I said FALSE crime report, because an individual who puts a stop payment order on a check almost
always does so because of dissatisfaction with a product or service. The accused individual is now in a
position to countersue for the problems caused as a result of your FALSE crime report. This could end
up costing you a lot more than the value of the check.

Sooner or later every small business operator will receive a bad check. The first thing to do is politely
contact the individual and give them the opportunity to make the check good. If that doesn't work,
many people try to save time and work by filing a crime report regardless of why the check didn't clear.
It's very important to determine why a check didn't clear before deciding on a course of action.

Disclaimer: Stephen Bucaro is not engaged in rendering medical, legal, accounting or other
professional service. If legal advice or other expert assistance is required, the services of a competent
professional person should be sought.

Copyright(C) Bucaro TecHelp.

Permission is granted for the below article to forward, reprint, distribute, use for ezine, newsletter,
website, offer as free bonus or part of a product for sale as long as no changes are made and the
byline, copyright, and the resource box below is included.

Stephen Bucaro
To learn how to maintain your computer and use it more effectively to design a Web site and make
money on the Web visit To subscribe to Bucaro TecHelp Newsletter visit

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                               A Bad Book Review? You Aren't Doomed. Here's Why.
                                                             By Laura Hickey

A Bad Book Review? You Aren't Doomed. Here's Why. by Laura Hickey

When you get a bad book review

You've just been notified a review of your book has been posted. You're all excited and can't wait to
see what has been written. You're clicking onto your book's page when...Oh no! They hated your book!
This bad review is going to turn away customers from buying your book. Wait! This isn't the end of the
world. Here's 3 tips to deal when you get a bad review.

1. You can't please everyone!

Example: One of my favorite authors is a bestseller but the author didn't receive such hot customer

Another example: I was reading some book reviews and one of the books had one of the worst ratings
ever. I clicked the link with curiosity to find over 20 customers had reviewed the book and loved it. In
life, you can't please everyone. Will a bad review discourage future customers? On to my next tip.

2. A bad review doesn't have to mean bad profit.

Not all customers look at a bad review as their only guide to buying. In fact, if your review is so awful,
they may even buy the book to see if it's really as bad as the reviewer rated it. There's the saying that
curiosity killed the cat, curiosity in this case could help you. Customers also realize that everyone has
different tastes. Maybe the reviewer didn't like your book, but who's to say someone different won't? It
may be bad publicity, but none the less it may help you. In fact, sometimes a customer may have read
the bad review but only remembers your name and or the book's title.

3. If you're getting more than one bad review.

It's understandable if you're disappointed. It's expected, but do not allow yourself to become
discouraged. If you've published an e-book and can easily edit your work, bad reviews can actually
help your writing. Now don't go crazy and change everything! But if reviews are constantly pin pointing
on one certain area, review your work and see if and how you could improve it. I know reviewing
repeatedly can be hurtful but if it can help your e-book, isn't it worth considering? Also, don't start
picking apart reviews right away, give yourself time to go over them. Picking apart your reviews the
moment you receive them could prove fatal to your self esteem.

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