Demand letters
How do I send a demand letter for a bounced check?
Updated · By the Certified Letter Online team
Send the person who wrote the check a written demand for the amount (plus any service charge your state allows), with a copy of the returned check and a deadline. Many states tie extra remedies to a certified-mail demand: in California, Civil Code 1719 lets you recover the check amount plus damages of three times the amount (at least $100, at most $1,500) if you mailed a written demand by certified mail and the writer didn't pay within 30 days.
| Item | Why |
|---|---|
| Check number, date, amount, bank | Identifies the check |
| Date it was returned and reason | Shows it was dishonored |
| Amount due and allowed fees | What you want paid |
| Deadline (California: 30 days) | Starts the statutory clock where one applies |
| Copy of the returned check | Evidence |
| Sent by Certified Mail | Required in California for treble damages |
Rules differ by state
Most states have a civil bad-check statute with its own notice wording, fees and deadlines. Search your state's code for "dishonored check" or ask your local court's self-help center. If you're a business, many prosecutors also run bad-check programs.
This guide is general information, not legal advice. For your specific situation, a legal aid office or a licensed attorney in your state can tell you what applies.
Quick answers
Does a bounced check demand need certified mail?
In California it must be sent by certified mail to claim the extra damages under Civil Code 1719. Elsewhere, check your state statute; certified mail is always good proof.
Can I charge a bounced check fee?
States cap service charges. California sets limits in Civil Code 1719; check your state's limit before adding a fee.
What if they still don't pay?
File in small claims court and bring the check, your demand letter and the certified receipts.
What to do next
Fill in the returned-check demand and we'll mail it Certified for $14.99 (or $17.99 with return receipt).
Send my check demandSources
Checked: . General information, not legal advice. Fees and rules change: confirm current values at the official links above.