Recovery & Cheque Bounce
Cheque Bounce (S.138)
A cheque bounce happens when a cheque you received is returned unpaid by the bank, often because the account did not have enough funds. Under the Negotiable Instruments Act, you can send a formal demand and, if payment is still not made, pursue a case against the person who issued the cheque. A verified advocate reviews the return memo and dates, drafts the required demand notice within the legal window, and files and argues the matter before the appropriate court.
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Documents that help
Keep these handy
- Bounced cheque and bank return memo
- Loan agreement, promissory note or acknowledgement of debt
- Invoices, bills or purchase orders
- Bank statements showing the transaction or transfer
- Any legal or demand notice sent or received
- Written communication such as messages, emails or letters
Consultation types
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Office consultationMeet an advocate at the relevant office or location, where available.
Physical visitRequest on-ground legal assistance where the service and location support it.
Common questions
Recovery & Cheque Bounce — quick answers
What is the time limit for a cheque-bounce notice?
You must send the statutory demand notice within 30 days of receiving the bank's cheque-return memo.
What happens after the demand notice?
The other party gets 15 days to pay. If they don't, a Section 138 complaint can be filed in court.
Can I recover money without a cheque?
Yes — through a civil money-recovery suit, supported by your agreement, invoices or proof of the debt.
How fast can a notice go out?
Often the same day or within 24 hours of your consultation.
What does it cost?
You see the advocate's fee upfront, with no hidden charges.
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