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Case Type 03

Cheque Bounce Matters

Structured support for dishonoured cheques issued toward a legally enforceable debt or liability.

Overview

A structured route for this type of outstanding.

A dishonoured cheque can create both recovery and statutory timing issues. Where Section 138 of the Negotiable Instruments Act applies, the written demand notice must be issued within the prescribed period after bank intimation, followed by the statutory payment window before complaint proceedings. We help organise the cheque, bank return memo, underlying liability documents and the required recovery steps.

Common challenges

Cheque returned unpaid
Multiple replacement cheques
Debtor seeking repeated extensions
Underlying invoice still unpaid
Statutory timelines approaching

What to keep ready

Original / copy of cheque
Bank return memo
Invoice / agreement / loan proof
Account statement
Debtor communications
Our Approach

How we would structure the recovery.

01

Review cheque and underlying legally enforceable liability

The exact sequence is adapted to the evidence, debtor response and commercial objective.

02

Record bank return memo and dates

The exact sequence is adapted to the evidence, debtor response and commercial objective.

03

Coordinate statutory demand notice within the applicable timeline

The exact sequence is adapted to the evidence, debtor response and commercial objective.

04

Pursue settlement in parallel where useful

The exact sequence is adapted to the evidence, debtor response and commercial objective.

05

Coordinate complaint / recovery proceedings through legal counsel where required

The exact sequence is adapted to the evidence, debtor response and commercial objective.

Possible recovery / legal routes

Section 138 NI Act process where ingredients are satisfied
Settlement / compounding
Parallel civil recovery where legally appropriate

Start with clarity

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