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)

152 comments

  1. ask lang po..wala po bang law sa Pilipinas na pwedeng mag protect po sa mga taong biktima ng mga networking businesses na nag rerequire po ng mga post dated checks para maka avail po ng mga pautang nila porduct. ito po ang reasons kung bkit po kami nagkaroon ng mga bounced checks.

    Thumb up Thumb down 0

  2. Good morning po Attorney meron lamang po akong katanungan tungkol sa aking problema. A ko po ay nangutang sa security savings bank ng halagang P50 000 noong nakaraang taon at ito ay aking babayaran sa loob ng 18 buwan ayon sa aking pinirmahang kontrata.A ng halaga po na aking babayaran buwan buwan ay P 3 500 at ito po ay aking nabayaran na ng buo sa loob ng 9 na buwan ngunit sa kadahilanang problemang pinansyal ako po ay hindi na nakabayad sa kanila simula nung march 2015 hanggang ngayon pero noong enero po ng taong kasalukuyan ay nag close account na po ako sa bangko at ito ay aking pinaalam sa kanila dahil nga po hndi ko na sya napopondohan kaya po ito ay aking pina close account at nagbabayad na lang po thru over the counter . Sa ngayon po ay nakatanggap ako ng text message galing sa knila at sila po ay magpa file ng kaso laban sa akin for the violation of BATAS PAMBANSA BILANG 22 O Anti Bouncing ChecksLaw sa Makati MTC ito daw po ay Criminal Case at pwede po ako makulong ang tanong ko lang po is ano po ang dapat kong gawin tama po ba na kasuhan nila ako ng anti bouncing kahit na na close ko na ung account ko sa bangkoeven before na hndi ako nkakabayad sa kanila maraming maraming salamat po sa inyong pagbabasa at sa inyong magiging katugunan mabuhay po kau

    Thumb up Thumb down 0

Leave a Reply

Your email address will not be published. Required fields are marked *

You may use these HTML tags and attributes: <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <s> <strike> <strong>