NSF & Bad Check Defense

Defending Non-Sufficient Funds (NSF) and Check Fraud Charges in Grand Rapids

Facing "Bad Check" Charges in Michigan?

In Michigan, passing a check without sufficient funds (NSF) is not just a banking error—it can be a serious criminal offense under MCLA 750.131. Whether it was an honest mistake or a complex financial dispute, the prosecution must prove an "intent to defraud" to secure a conviction.

Krupp Law Offices P.C. has over 85 years of experience defending clients against financial and property crimes. Our attorneys, including former assistant prosecutors, provide the "straight talk" and aggressive defense needed to protect your reputation and your future.

NSF Penalties & Thresholds

Under $100.00

First offense is a 93-day misdemeanor. Subsequent offenses can be enhanced to 1-year misdemeanors.

$100.00 to $500.00

Punishable by up to 1 year in jail or a fine of 3 times the check amount. Third offenses are Felonies.

$500.00 or More

Automatically a Felony punishable by up to 2 years in prison and significant fines.

No Account (750.131a)

Writing a check on a non-existent account or writing 3+ NSF checks within 10 days is a Felony.

The "Intent to Defraud" Defense

One of the most critical elements of an NSF charge is the intent to defraud. Michigan law (MCLA 750.132) creates a "prima facie" evidence of intent if the check isn't paid within 5 days of receiving a notice of protest. However, there are many valid defenses, including:

Lack of knowledge regarding insufficient funds.
Funds were unavailable due to garnishment or bank error unknown to you.
The check was post-dated or the recipient agreed to hold it.

Immediate Legal Help

Financial crimes can carry a lasting stigma. If you are being investigated for bad checks, call Krupp Law Offices at 616-459-6636 for a free phone consultation. We can help you resolve these matters before they escalate.

Defense Resources

Ask a Defense Question Criminal Interview PDF Criminal Defense Home

Protect Your Future

Don't let a financial mistake result in a criminal record. Get expert legal advice today.

CALL 616-459-6636

Krupp Law Offices P.C. is a Grand Rapids Attorney represents clients in Grand Rapids and all West Michigan Courts, including Kent County, Ottawa County, Newaygo County, Ionia County, Mecosta County, Barry County, Montcalm County, and Allegan County, Michigan.