Frequently Asked Questions

Check Deception Program FAQ

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Where do I get help if I am a victim of a bad check?
The Monroe County Prosecutor’s Office offers a service to victims of check deception. This service helps victims recover their losses while holding the writer of the bad check accountable for their actions.

To participate in this program, go to “How to Refer a Bad Check“.

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How much money does the Check Deception Program recover each year for the victims of bad checks?
The Monroe County Prosecutor on average returns over $100,000 each year to victims of bad checks.

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How do I pay my bad check?
Go to “How to Pay Off a Bad Check“.

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Where do I send the Check Deception Affidavit when it is complete?
MONROE COUNTY PROSECUTOR’S OFFICE
ATT: CHECKS
301 N. COLLEGE AVE. ROOM 211
BLOOMINGTON, IN 47404

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Who is eligible to use the services of the Check Deception Program (CDP)?
Any person or business who has received a bad check while transacting business in Monroe County may utilize this service as long as they meet the eligibility requirements.

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Is there a cost for the service?
There is no cost to the victim. The check writer pays any associated fees for the Check Deception Program.

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Can the Monroe County Check Deception Program accept a bad check if I have taken a partial payment?
No, we cannot accept checks for which you have already received partial payment.  If you have accepted a partial payment but have been unable to collect the balance due, you may be able to pursue the matter in through civil court.

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The goal of the CDP is payment of the complete restitution amount due as quickly as possible. The Prosecutor’s Office generally files criminal charges if the writer of the bad check fails to respond to a demand for payment in a timely manner. However, in certain cases the office may exercise discretion to accept partial payments according to a restitution agreement. Generally, the office must have a good faith belief that the person owing restitution is experiencing a financial hardship but intends to make payments according to a specified schedule. The office reserves the right to file or continue to prosecute criminal charges as appropriate if payments are not made in a timely manner.

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I agreed to hold a check before depositing it. Can I still file a complaint?
No. By agreeing to hold a check for a period of time, you have waived your legal rights under the criminal law of check deception. Agreeing to hold onto a post-dated check indicates your understanding and acceptance that the check was not good at the time it was presented. If this is the case, you may be able to pursue the matter in civil court.

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What happens after I file a bad check complaint?
After a complaint has been filed with the Monroe County Check Deception Program (CDP), we attempt to contact the check writer via mail and telephone. The check writer is given the option to pay restitution directly to the Monroe County Prosecutor’s Office within the time given, or, potentially face criminal charges. Restitution consists of the face value of the check, a victim service charge, and a CDP program fee.

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How long does the Monroe County Check Deception Program allow a check writer to pay their bad check(s)?
The Prosecutor’s Office generally contacts the bad check writer and offers a ten (10) day grace period to pay the full amount owed plus fees. In certain cases the office may exercise discretion to accept partial payments according to a restitution agreement.

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What is a Restitution Agreement?
A Restitution Agreement is an agreement between the Monroe County Prosecutor and the check writer that allows additional time to pay restitution for his/her cases. Each individual is evaluated on a case by case basis to determine if a restitution agreement will be offered and, if so, how much time will be allowed for the payment of each check involved. Our first priority is determining the quickest way for victims to be paid.

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How long will it take me to receive restitution after the check writer has paid the Check Deception Program?
When a check writer makes a payment, the director of the Check Deception Program will mail a check by the 10th day of the following month.

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How can I find out the status of a complaint I have filed?
Feel free to contact the Check Deception Program anytime to check the status of your case or if you have any questions.

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What if the check writer contacts me after I have filed a complaint?
If you are contacted by a bad check writer after filing the bad check with the Monroe County Prosecutor’s Office, refer that person to our office regarding the matter.

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What happens if a check writer fails to respond to the Monroe County Check Deception Program or fails to pay restitution as promised?
If a bad check writer ignores attempts by this office to contact them, and/or fails to make a restitution payment on time, criminal charges may be filed against them.

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What is a legal copy of a check?
A legal copy of a check is one that is generated by the bank. The Check Deception Program can only accept a legal copy of a check.