Determining a check's eligibility for the program
A check is eligible if....
- The amount is no more than $5,000 (or multiple checks, not exceeding this limit). There are no minimum dollar restrictions.
- It was received in Scott County and deposited in a bank in exchange for goods or services presumed "good" at the time of acceptance.
- A collection attempt can be documented in which the check writer had at least 20 days to make the check good.
- It is submitted to the program within 180 days from the date on the check.
- A photo I.D. (driver's license, military I.D., state identification card) was recorded at the time of the transaction.
A check is ineligible if....
- It is post-dated.
- Both parties knew there were insufficient funds at the time of transaction.
- It is a two party, government, or payroll check.
- The check involves an "extension of credit," or was payment on an account.
- The identity of the check writer is unknown.
- There is no amount or signature on the check.
- Checks ineligible for the Check Offender Services Program may be pursued via the small claims court process or by a private collection agency.