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NI Act · Criminal & Recovery Desk

A dishonoured cheque isn't just a paper — it's a criminal case waiting to start.

The window to send a legal demand notice is just 30 days from the bank return memo. Once that notice is served, the payee has 15 days to make the payment. Miss either deadline, and the complaint fails. Whether you want to file a complaint or defend one, we move fast to protect your rights.

Section 138 NI Act – critical timelines
Demand NoticeWithin 30 days of return memo
Payment Period15 days from receipt of notice
Complaint FilingWithin 30 days after 15‑day expiry
Court ProcessSummons / Warrant / Bail if convicted

These timelines are strictly enforced. One missed day can kill your case. Let us review your matter immediately.

Cheque bounce & recovery under the NI Act — we act for both complainants and accused, across criminal complaints, summary suits, and negotiated settlements.

A cheque can bounce for many reasons — insufficient funds, a mismatched signature, a stopped payment, or a closed account. Whatever the reason, the law provides a powerful remedy under Section 138 of the Negotiable Instruments Act, along with civil recovery avenues. Our team handles every stage: drafting the mandatory legal demand notice, filing the criminal complaint, securing bail for accused persons, and arguing the trial.

We also represent clients who have been wrongly named in cheque bounce cases — for instance, directors or partners who were not involved in the day-to-day affairs of the company. We apply for quashing of complaints, defend at trial, and negotiate settlements that result in acquittal.

Why clients choose us for cheque bounce matters:

In our experience, many cheque bounce cases settle — but only when the complainant is properly armed. We help you leverage the criminal proceedings to achieve a fast, fair recovery. If settlement fails, we are fully prepared to go to trial.

If you are holding a returned cheque or have received a Section 138 notice, don't wait. A small delay can cost you the entire remedy. Share your papers with us for a free, 24‑hour assessment.

Legal Demand Notice
Drafted and dispatched within the statutory 30‑day window, setting out the exact claim.
Criminal Complaint
Filing of Section 138 complaint, evidence preparation, and representation before the magistrate.
Defence & Bail
Quashing petitions, bail applications, and trial defence for accused persons.
Recovery & Settlement
Civil recovery suits and structured settlement negotiations to recover your money fast.
Cheque Bounce & Recovery (NI Act)

Where we step in

We handle every stage of a cheque bounce dispute — from the first legal notice through criminal trial and, if necessary, appeal — always with an eye on the fastest recovery.

NOTICE
Section 138 legal demand notice
Drafted and dispatched within 30 days of the cheque return, preserving your right to file a complaint.
COMPLAINT
Criminal complaint filing & trial
End-to-end case management, from initial filing to recording of evidence and final arguments.
DEFENCE
Defence, quashing & bail
Challenging false complaints, securing bail, and quashing proceedings where no offence is made out.
RECOVERY
Civil recovery & execution
Summary suits under Order 37 CPC and execution of decrees for the cheque amount and costs.
SPECIMEN — CHEQUE RETURN MEMO

Cheque return memorandum

Negotiable Instruments Act, 1881
Under
review
Cheque No.
123456
Date
DD/MM/YYYY
Return Reason
Insufficient Funds / Stop Payment
Notice Deadline
30 days from bank memo

A bounced cheque is the first piece of evidence in a Section 138 case. Preserve the return memo and the original cheque — then contact us immediately.

Case intake

Tell us about your cheque bounce issue

Direct contact

Adv. Raj Kumar Karan

Cheque bounce & recovery counsel

Phone / WhatsApp+91 9711572898
Deadline approaching? Call or WhatsApp directly — the 30‑day notice window is strict. We draft and dispatch the legal demand notice the same day if needed.

Case intake form

Five details. That's all we need to assess your cheque bounce matter.

24h Response time

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