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What to do when you get nsf checks?
Posted on 7/15/15 at 8:39 pm
Posted on 7/15/15 at 8:39 pm
So I have been in business now for five going on six years. I went until May of this year before I had recieved my first bounced check. Since then I have had another one and a non payment on an job.
On that one it actually came from a closed account out of Florida, so I turned it over to St. Bernard sheriff's office and will just deduct the $95 from taxes not that big a deal (I think you can deduct non payments same as returned merchandise, maybe not...idk)
On the second one, lady was scheduled for April, she pushed it back to May. I do the job, get the check and deposit it that Friday. Comes back NSF (not closed account) So I call her and she says the repair I did failed. ( I repaired the main control on a freezer and it didn't come on before but did after I left. I can't wait around 24 hours for it to settle to temp so I had no way of knowing there was also a freon leak)
So I offer to fix the obvious freon leak FOR FREE, if she only pays the $225 she owes for the board+install.
She agrees. Well she keeps calling my office manager and rescheduling and rescheduling. This job was opened on April 3rd. I finally went back TODAY.
I get there and she is not there, teenage son let me in. I did my job, verified Freezer was getting colder and psi was perfect. I leave a bill and tell her to call with a CC (at this point I'd rather pay the 3% than deal with a check from her again).
I run the credit card.... Declined.
Now I wasn't there when I ran the card. Do I even call back or do I just call the DA at this point?
I'm going to have my office person call in the morning and re-verify the card number, maybe I wrote a number down wrong. I pretty much already wrote this job off. It's been over two months since the part was installed. I actually have $70 of my money in the repair.
I'm almost at this point not even caring about getting it, but I'm too nice a guy to want to make a case out of it. Though I know a guy who did time over bad checks, so I know it's a crime.
Third issue is even worse. I did a job for a Pita chain, and these bastards owe me $305. I didn't give them net terms the owner said "check is in the mail" on June 3rd. I have sent two certified letters since then. I did not get a bounced check or any payment. The owner is not answering his phones and a manager is never there.
I know small claims is an option, but I know they are intentionally trying to F me.
I did two repairs for them and bought the parts Next day air, and still came in well below $400 on a commercial restaurant repair (unheard of).
So how long I wait before I go in there and block the register until the owner or manager shows up.
On that one it actually came from a closed account out of Florida, so I turned it over to St. Bernard sheriff's office and will just deduct the $95 from taxes not that big a deal (I think you can deduct non payments same as returned merchandise, maybe not...idk)
On the second one, lady was scheduled for April, she pushed it back to May. I do the job, get the check and deposit it that Friday. Comes back NSF (not closed account) So I call her and she says the repair I did failed. ( I repaired the main control on a freezer and it didn't come on before but did after I left. I can't wait around 24 hours for it to settle to temp so I had no way of knowing there was also a freon leak)
So I offer to fix the obvious freon leak FOR FREE, if she only pays the $225 she owes for the board+install.
She agrees. Well she keeps calling my office manager and rescheduling and rescheduling. This job was opened on April 3rd. I finally went back TODAY.
I get there and she is not there, teenage son let me in. I did my job, verified Freezer was getting colder and psi was perfect. I leave a bill and tell her to call with a CC (at this point I'd rather pay the 3% than deal with a check from her again).
I run the credit card.... Declined.
Now I wasn't there when I ran the card. Do I even call back or do I just call the DA at this point?
I'm going to have my office person call in the morning and re-verify the card number, maybe I wrote a number down wrong. I pretty much already wrote this job off. It's been over two months since the part was installed. I actually have $70 of my money in the repair.
I'm almost at this point not even caring about getting it, but I'm too nice a guy to want to make a case out of it. Though I know a guy who did time over bad checks, so I know it's a crime.
Third issue is even worse. I did a job for a Pita chain, and these bastards owe me $305. I didn't give them net terms the owner said "check is in the mail" on June 3rd. I have sent two certified letters since then. I did not get a bounced check or any payment. The owner is not answering his phones and a manager is never there.
I know small claims is an option, but I know they are intentionally trying to F me.
I did two repairs for them and bought the parts Next day air, and still came in well below $400 on a commercial restaurant repair (unheard of).
So how long I wait before I go in there and block the register until the owner or manager shows up.
This post was edited on 7/15/15 at 8:40 pm
Posted on 7/15/15 at 8:47 pm to Napoleon
quote:
So I call her and she says the repair I did failed
Even if the repair failed that has nothing at all to do with the NSF.
quote:
Well she keeps calling my office manager and rescheduling and rescheduling.
Would have written her off at that point.
Others will know more than me but can you get a lien on the property?
Posted on 7/15/15 at 9:50 pm to Napoleon
Can you deposit the check again on the still open account and hope you catch her with some money in her account? I thought you can. I would run it on a payday like the 15th or 30th if so.
I would file a workman's lien on the 3rd guy before you run out of time to.
I would file a workman's lien on the 3rd guy before you run out of time to.
Posted on 7/15/15 at 10:02 pm to Napoleon
Can you go into the pita shop and unrepair and take your parts back?
Posted on 7/16/15 at 1:53 am to Napoleon
My dad used to do this trick for the insufficient funds issue. He had clients that would purposefully keep their balance just below the level where the check that they had given him was. So he would go to their bank and try to cash it with the teller. The teller would say insufficient funds, the teller can't tell you the balance but can tell you how insufficient the funds were. So then he would deposit cash into the deadbeats account just enough to cover the check. Then cash it leaving the account with zero funds
Posted on 7/16/15 at 12:51 pm to Napoleon
Not really suggesting you do any of these things, but had a crazy friend with an auto shop. He has pulled parts off of cars after non payment, mostly batteries.
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