18 Oct

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)

141 thoughts on “Bouncing Checks (B.P. 22)

  1. Hidden due to low comment rating. Click here to see.

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    • 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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  2. hello po atty ako po ay inisyuhan ng post dated check nung may 11 2014 eto po ay tumalbog at re deposit ko po sa bank kahit di pa alam nung nag isyu na re deposit ko na yung tumalbog na tseke..at bali dalawa po yung inisyu sa akin na tumalbog dated po nung june 11 2014 po…ngayon naisip ko na pong padalhan ng demand letter nagyon araw palang po. pero sa demand letter po hindi ko nailagay ang araw oh palugit kung hanggang kailan ang dapat para mag antay sa reply ng isyuwer ngayon po…ano poba dapat kung gawin mga hanggang kailan po kaya ako pwede pa mag padala ng demand letter at ilang beses po dapat mag padala ng demand letter nais ko na pong idemanda ang nag isyu sa akin ng tseke sana po matulungan nyo ako salamat po

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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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