Ley sobre cheques sin fondos en Minnesota

Explicación Simple

Si escribes un cheque sin tener dinero en el banco, puedes tener problemas legales. Debes pagar el cheque dentro de cinco días después de que te avisen que no se pagó.

Es como cuando prometes a un amigo que le devolverás un préstamo, pero no tienes dinero en tu bolsillo. Si no pagas a tiempo, tu amigo puede decidir tomar acciones.

Ejemplo Práctico

Imagina que Juan escribe un cheque de $100 a María, pero no tiene una cuenta en el banco. María le envía un aviso a Juan diciendo que el cheque no se pagó. Si Juan no paga dentro de cinco días, María puede llevar el asunto a las autoridades.

Penalidades

Si no pagas el cheque, puedes enfrentar cargos legales en tu contra.

Texto Original del Estatuto (Inglés)

he offenses aggregated under this paragraph. Any of the following is evidence sufficient to sustain a finding that the person at the time the person issued the check intended it should not be paid: (1) proof that, at the time of issuance, the issuer did not have an account with the drawee; (2) proof that, at the time of issuance, the issuer did not have sufficient funds or credit with the drawee and that the issuer failed to pay the check within five business days after mailing of notice of nonpayment or dishonor as provided in this subdivision; or (3) proof that, when presentment was made within a reasonable time, the issuer did not have sufficient funds or credit with the drawee and that the issuer failed to pay the check within five business days after mailing of notice of nonpayment or dishonor as provided in this subdivision. Notice of nonpayment or dishonor that includes a citation to and a description of the penalties in this section shall be sent by the payee or holder of the check to the maker or drawer by certified mail, return receipt requested, or by regular mail, supported by an affidavit of service by mailing, to the address printed on the check. Refusal by the maker or drawer of the check to accept certified mail notice or failure to claim certified or regular mail notice is not a defense that notice was not received. The notice may state that unless the check is paid in full within five business days after mailing of the notice of nonpayment or dishonor, the payee or holder of the check will or may refer the matter to proper authorities for prosecution under this section. An affidavit of service by mailing shall be retained by the payee or holder of the check. If the check has been protested, the notice of protest is admissible as proof of presen