Bouncing Checks (B.P. 22)

Some people still have this misplaced confidence in the deterrent effect of Batas Pambansa (BP) Blg. 22, also known as the Bouncing Checks Law (full text here). Here are some things a layman should know:

1. The issuer is not automatically liable simply because the check “bounced”. A check generally “bounces” when dishonored upon presentment (reasons include, account closed, drawn against insufficient funds or DAIF). However, it is indispensable that the issuer must be notified in WRITING about the fact of dishonor, and he has 5 days from receipt to pay the value of the check or make arrangements for the payment thereof. (Please see update on this matter at the Philippine e-Legal Forum).

2. Filing fees are generally not required for criminal cases. For B.P. 22 cases, however, the complainant is required to pay the filing fees (based on the value of the check/s and the damages claimed, just like in civil cases) upon filing of the case in court.

3. One major deterrent against bouncing checks is the threat of a warrant of arrest being issued once the criminal case is filed in court. This is no longer true. No warrant of arrest is issued unless the accused fails to appear when required by the court.

4. Even if a criminal case under B.P. 22 is filed, the court can’t issue a hold-departure order (HDO). All violations of the Bouncing Checks Law, regardless of the amount involved, are filed only with the municipal/metropolitan trial courts. These courts cannot issue an HDO.

5. Courts have the discretion of imposing: (a) imprisonment only; (b) fine only; OR (c) both. It is entirely possible that only a fine, without imprisonment, is imposed.

(See also: Basic Reminders in Preventing Check Fraud)

149 comments

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    1. umattend ka ng hearing (arraignment). Sasabihan ka regarding sa kaso mo. Mag plead ka ng not-guilty. The court will ask kung may abogado ka kung wala ipapaassist ka nila sa PAO. Magsschedule yan ng Mediation o kaya JDR para makapagusap kayo ng pinagkakautangan mo.

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  3. hi atty. ask ko lang pano po kung check na ikinakaso nila e cheke na requirement lang nila para makapagloan ka? kasi si papa nagfile ng loan ngaun bago ka maapproved need mo magopen ng checking account without knowing sa part nila papa kung ano yung silbi ng cheke naun kasi through atm naman sila nagbabayad ngaun nagkasakit ang papa at di natuloy ang pagalis nakapag bayad naman sila kaya lang may hindi na sila nahulugan kasi lumala ang sakit ni papa hanggang sa ikamatay na niya ngaun sinama nila si mama sa kaso kasi co-maker siya ano po ba ang pwede naming ipanglaban dun? salamat po

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  4. Sir,
    Me nag issue po sa akin ng cheques as payments nag bounce lahat kc account close na. After several negotations sa taong nag issue with several pangako to pay hindi natupad. Gusto ko ng mag sampa ng kaso anong steps ang dapat kong sundin or gawin?

    Please advice po…

    Salamat

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  5. meron po bang bank amnesty n tinatawag s personal loan n nag-issue ng cheque , kaya lang tumalbog n ng bandang huli dahil nagipit po akong masyado…..kaya ang naiisip ko nalng makipag negotiate kung panu mababayaran ng d ganung malaki ang hulog monthly?

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  6. Good Day,

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  7. Good evening atty, ask lang ako kung obligado ba akong magbayad ng atty’s fee na 30,000 at 12% na interest sa aking na isyo na 7checks totalling 1.2M.Ang mga cheke na ito ay nag bounced dahil sa bagyong yolanda na tumama sa tacloban last nov 8, 2013. At ngayong sept17, 2014 ay nakatanggap a?o ng demand letter at nag promise ako na e settle ko within 1 year or isyuhan ko ng bagong 12 checks postdated. Pumayag ang abogado nila pero dapat magbayad ako ng 30,000 bilang attys fee àt dagdag na 12% interest or sinirado niya na 100,000 ksi sinabihan ko siya na biktima ako ni yolanda at marami rin akong mga customer na hindi pa nagbayad sa akin. Pls help me kung ano ang gagawin ko. Thanks a lot. More power. Next week kami magkita sa atty nila.

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  8. hi po,

    ako po ay my iniissue n cheque sa bangko para sa lending kaya lng po nawalan po ako ng trabaho at wala po funds ung cheque 2500 po at humimgi po ako ng palugit sa lending pero po tinatakot po nya ung mga character reference ko n ipapadyaryo ung name eh di naman po cila ang co-maker ko tama po ba un at tinatakot po ako at pinagmumura over the cell phone

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  9. Hi atty
    meron po ako knakasama na umutang sa banko ng 230,000 para sa procssng papnta ng singapore after 2 months umuwi po sya kasi hndi tama pasahd hindi na po namn nbyran ung cheque frm oct2013 till date ako po kc gnawa nýa co maker and dlawa po kmi nkapirma…worried po ako kasi gsto ko kmuha nbi bka may estafa case na ako..ano po ba pwede ko gawin bilang co maker wala naman po ako trabho pa

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  10. hi atty..badly needed ur advice..nagloan po ako s financing worth 20k..ng issue po ako ng 12 PDC.in my 3rd check n daif..s 5th check nag bounce..ngayon po pnadalhan ako ng court ng letter that i order to submit my affidavits and witneses..anu po b un…d ko kc maxado naintindihan..kindlr reply po pls,,,

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  11. ask ko lang po if a lending company file a case of bp 22 in one person 16 years ago. All the documents was named to the company. and last 15 years the said company was closed. and now can the manager or president of this company can claim the amount of the check or if they have the power to demand for more. The amount of the check is 35 k thank you

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  12. ask ko lang po kung matatawag ng tumalbog yung inisue kong tseke kng sa date halimbawa na january 21 ito nakadate. tapos nasaraduhan ako ng banko bale lampas alaskuatro na me dumating nasaradohan ako ng banko sa mismong araw na inisue ko ito january 21 para pondohan. may charge na po ba ako agad nun kung kinabukasan ko na pondohan sa banko. tnx

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  13. sir.ask ko lng po kc nging co maker ako ng asawa ko.ngaun po kksuhan dw po kmi ng fraudulent ng lending company dhil fake dw ung nrecieve nla n resibo.anu po ang dpat kng gwin..ang fraud at bouncing check ay iisa lng ho ba ang kaso?slamat sa reply

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  14. hi sir… just want to ask if what is/are the effect/s of a cancelled warrant of arrest? this is the story… there was a warrant of arrest issued against an accused for the crime of murder… now in the course of the enforcement of the warrant, an unlicensed firearm was confiscated from the accused.he was then charged for illegal possession of firearms. now 3 months after, the murder case was dismissed and he was released from jail. now lately, he was again arrested by virtue of a warrant of arrest for his illegal possession of firearm case. now a law student told me that a motion to quash maybe filed on the ground that the arrest and the confiscation of the firearm were illegal as those acts have no more legal basis as the earlier warrant was already cancelled, hence, accordingly, the firearm is considered a “fruit of a poisonous tree”. the effect of the cancellation retroacts to the date of the arrest and such fact is favorable to the accused. was the advice correct? is there any jurisprudence on that matter? thank you

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