Cheque Bounce Ho Gaya? Paise Kaise Recover Karein – Legal Solution in India
This article is published by The Legal Warning India and written by Advocate Uday Singh.
Cheque bounce hona sirf ek banking problem nahi hai, balki ek serious legal issue hai. India me har din hazaron log cheque bounce hone ke baad confuse ho jaate hain ki:
“Cheque bounce ho gaya, ab paise kaise milege?”
Koi police ke paas jaane ki sochta hai, koi bank ko blame karta hai, aur kai log kuch bhi action nahi lete — jiska nuksaan sirf paise dene wale ko hota hai.
Is article me hum bilkul practical aur simple language me batayenge:
- Cheque bounce hone par kya hota hai
- Kya Section 138 NI Act hota hai
- Step-by-step legal process
- Paise recover karne ke best options
Cheque Bounce Kya Hota Hai?
Jab koi vyakti cheque deta hai aur bank usse clear karne se mana kar deta hai, to ise Cheque Dishonour ya cheque bounce kaha jata hai.
Cheque bounce hone ke common reasons:
- Account me paisa kam hona
- Account band hona
- Signature mismatch
- Date galat hona
- Payment stop instruction
Kya Cheque Bounce Ek Crime Hai?
Haan. Cheque bounce Section 138 of Negotiable Instruments Act ke under ek criminal offence hai.
Lekin dhyan rahe:
- Har cheque bounce case criminal nahi hota
- Proper legal procedure follow karna zaroori hai
Cheque Bounce Hone Par Sabse Pehla Step
Jaise hi cheque bounce hota hai:
- Bank se Cheque Return Memo lein
- Cheque ki copy aur memo safe rakhein
- Date note karein (bahut important)
Yahin se legal timeline start hoti hai.
Legal Notice – Sabse Important Step
Cheque bounce ke case me legal notice mandatory hota hai.
Legal notice:
- 30 din ke andar bhejna hota hai
- Cheque amount ki demand karta hai
- 15 din ka time deta hai payment ke liye
Related Reading:
Agar Legal Notice Ignore Ho Jaye To?
Agar notice ke 15 din ke andar payment nahi hoti:
- Cheque bounce complaint file ki ja sakti hai
- Criminal case start hota hai
Court ise bahut seriously leti hai.
Section 138 NI Act Case – Court Process
Court process me:
- Summons issue hota hai
- Accused ko court me present hona padta hai
- Fine, compensation ya jail tak ho sakti hai
Maximum cases settlement me khatam hote hain.
Kya Sirf Criminal Case Hi Option Hai?
Nahi. Aap civil recovery suit bhi file kar sakte hain.
Best strategy hoti hai:
- Cheque bounce case + civil recovery
- Strong pressure for settlement
Cheque Bounce Case Me Common Galtiyan
- Legal notice late bhejna
- Timeline miss karna
- Bank memo preserve na karna
- Galat legal advice lena
Cheque Bounce Se Kaise Bachein?
- Post-dated cheque carefully accept karein
- Business transactions documented rakhein
- Payment proof safe rakhein
FAQs – Cheque Bounce
Q. Kya cheque bounce me jail hoti hai?
Haan, extreme cases me possible hai.
Q. Kya police complaint kar sakte hain?
Normally court route follow hota hai.
Q. Case kitna time leta hai?
Settlement par depend karta hai.
This article is for general legal information and awareness purposes only. It does not constitute legal advice or solicitation. Communication is purely informational, in compliance with Bar Council of India Rule 36.
