A bounced cheque is not just a financial loss — it becomes a criminal offence under Section 138 of the Negotiable Instruments Act.
That means a defaulter can face:
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Jail punishment
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Heavy fine
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Court summons
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Seizure of salary/assets if order not followed
But most people don’t follow the proper legal process, so the case becomes weak.
Correct procedure:
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Cheque returned → take bank return memo
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Send legal notice within 30 days to the issuer
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If no payment within 15 days → file 138 NI Act case
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Submit bank proof + notice + delivery proof + cheque copy
Most defaulters repay immediately after receiving the court summons — because they fear criminal consequences.
Instead of repeatedly requesting or arguing, recover your money with law.