Yet once again, internal records dispel any notion of rampant criminality. In 2011, Correction Solutions sent out 33,202 letters on behalf of L.A. County. Fewer than 1 percent of those cases were actually recommended for prosecution.

"They've prosecuted more glue sniffers than bad-check writers in a lot of these counties," Arons says. "This is not an overwhelming problem. The feds keep stats on this, and only one in every 200 checks doesn't clear. And of those, about half clear on redeposit, so we're talking about 0.5 percent of all checks written."

It's hard to fault prosecutors for ridding themselves of a nuisance. Fraud charges require investigations, and most prosecutors have nowhere near the manpower to handle them, admits Scott Burns, executive director of the National District Attorneys Association.

"The real issue is that prosecutors' offices are, almost across the board, underfunded, while suffering hiring freezes and, in some offices, up to 30 percent cuts in personnel," he says. "The only logical thing is to prioritize those cases and those issues that are the most important."

But by ridding themselves of a headache, they're creating a new one for consumers, who are presumed guilty without investigation or chance of appeal.

That's the basic sentiment of Ed Griffith, spokesman for the Miami-Dade Office of the State Attorney. He believes that if a check writer ignores contact by a merchant, that's proof enough of a crime. "Your failure to make good on that check is an issue of intent. The opportunity to make good and not take advantage of that opportunity speaks to your attitude."

Griffith argues that even innocent mistakes merit sentencing to financial-accountability class. "Even if someone says that their child overdrew their account, we believe putting them in a diversion program is the right move."

Yet some believe the classes are just a ruse to generate fees. "Their financial-responsibility class is nothing more than learning how to balance a checkbook," says Adam Levin, New Jersey's former consumer-affairs commissioner. "It's garbage. If people aren't passing a bad check with intent, they shouldn't be going to a class. And if they are, they shouldn't be going to a class; they should be going to jail. Don't tax overburdened consumers with a course that is effectively worthless."

Dansky agrees. "There are far better ways of dealing with the problem. If the cases are truly baseless, then the prosecutors shouldn't be involved, period. Merchants can use debt collectors directly without getting prosecutors involved."


Joseph Ridout has a hard time believing that so many scam artists have chosen careers in bad checks.

"We believe that very few of the recipients of these letters intended to defraud the merchant," says Ridout, who works for Consumer Action, a San Francisco nonprofit. "It's just people who overdrew their checking accounts with a check. The curious thing is that it's a moment in time when banks have destigmatized overdrawing your account with a debit card. What's the difference?"

In fact, it was banker scheming that landed Carole Hirth in trouble last year. More than a dozen major banks have paid multi-million-dollar fines for reordering purchases and delaying deposits solely to generate overdraft fees. In Hirth's case, PNC was holding her direct deposits until it withdrew her outgoing charges — effectively overdrafting her account so it could charge extra fees.

She knew none of this at the time she wrote a $393.86 check to Dominick's, a Chicago grocery story. The 59-year-old was in the hospital being treated for Crohn's disease when the check bounced. For some reason, the store never tried to redeposit it, which most merchants do. If it had, says Hirth, the check would have cleared. Instead, the Safeway-owned chain sent her a letter.

"I had been back from the hospital for just four days when I checked the mail and thought, 'Oh, my God,'" she says.

Hirth went straight to Dominick's, wrote a new check and paid a $35 bounce fee. She considered the problem fixed.

But four months later, she received a letter from the Cook County state's attorney. It said that she'd been accused of deceptive practices and that she faced up to a year in jail and a $2,500 fine. The only way to avoid this fate was to pay $649.86, which included penalties and a diversion course.

"I already paid them," Hirth says. "I contacted [the grocery store's] ethics department and said this was just wrong. I spend enough money there. I told them they should work with me. I told them to look up my Safeway card. I've been shopping with them for the past thirty years!"

Safeway said there was nothing it could do. She'd have to contact the state attorney's office.

Hirth called the 1-800 number on the letter but got nowhere.

"They accused me of committing a fraudulent act. They said that if I don't pay everything and take their class, I could be arrested and end up in jail. He was very, very mean. I told him that I didn't understand how that could happen. I said I'd already handled it, it should be cleared up, but he just went on and on and on."

Hirth wrote another letter to Safeway, begging the grocer to contact the prosecutor's office on her behalf. The letters and phone calls kept coming.

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10 comments
Quano
Quano

So will we find that the person who runs this abusing shake down debt collection is friends or a family member of someone in power  in California?  Where are those who are suppose to be working and representing the common citizen?  Why is it that there seems to be two sets of laws in our country of late, one for the so called uber rich and one for the rest of us so called  useless eaters?http://hcaextract.wufoo.com/forms/buy-garcinia-cambogia-fat-buster/ http://greencoffeebeanmax.wufoo.com/forms/buy-green-coffee-bean-extract-800mg/ http://hcaextract.wufoo.com/forms/buy-garcinia-cambogia-online/ http://fatlossfactor.wufoo.com/forms/fastest-way-to-lose-weight/

penkdooo
penkdooo

Thats some pretty scary stuff man, WIw.


www.GoToAnon.tk

trankmonk
trankmonk

Sounds like a pretty solid plan to me dude. Wow.


www.irAnon.tk

MaybeNextSeason
MaybeNextSeason

This is what Democrip and Rebloodican voters want though.  I cannot understand why you sheep are bah bah bahing about it.

faizy_rao
faizy_rao

If you think Gregory`s story is terrific,, 5 weaks-ago my cousins best friend basically recieved a check for $8589 putting in a twenty hour week an their house and there classmate's step-aunt`s neighbour done this for four months and got over $8589 part time from their labtop. applie the guidelines from this site, http://xurl.es/ukio6

WhoKnows
WhoKnows topcommenter

If Brewski was involved in this, she would demand prison sentences at a CCA private prison, where inmates are forced to make shoes and shirts in a 100 degree sweat shop.

trankmonk
trankmonk

The kangaroo court system is a money making machine!


www.Anon-Dis.tk

MaskedMagician1967
MaskedMagician1967 topcommenter

I remember when Candy Andy and the Miscreants tried to come after me for allegedly passing a bad check on a closed bank account.

It failed. Badly.

Cozz
Cozz

The justice system has become more criminal than the criminals themselves over money.

marcy
marcy

Law enforcement has become a for-profit business.

With more laws added every year it is also a growth industry.  Think about it the next time you support some half-baked new law.

 
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