Business aur trading me udhar dena ek aam baat hai, lekin sabse badi problem tab aati hai jab market me paisa fas jata hai ya samne wali party ka diya gaya cheque bounce ho jata hai. Kai baar traders legal knowledge na hone ki wajah se apna hi paisa wapas lene ke liye pareshan hote rehte hai.
Agar aapka bhi paisa market me fasa hai ya koi cheque bounce ho gaya hai, toh aapko ghabrane ki zaroorat nahi hai. Bharat ka kanoon (Negotiable Instruments Act aur Civil Procedure Code) aapko apna paisa interest ke sath wapas paane ka pura right deta hai.
Aaiye jante hai iski sahi legal process kya hai:
1. Cheque Bounce Hone Par Pehla Kadam (The 30-Day Rule)
Aksar log cheque bounce hone par sirf phone par behas karte reh jate hai aur legal time limit nikal jati hai.
Rule: Bank se cheque bounce ki receipt (Return Memo) milne ke theek 30 din ke andar aapko samne wali party ko ek 'Legal Notice' bhejna zaroori hota hai.
Notice me kya hota hai? Is notice me party ko 15 din ka time diya jata hai ki wo aapka paisa wapas kar de.
2. 15 Din Baad Bhi Paisa Na Mile Toh Kya Kare?
Agar legal notice milne ke 15 din baad bhi samne wala ekti aapka payment nahi karta hai, toh 16th day se aapke paas court me case file karne ka right aa jata hai.
Aapko agle 30 din ke andar related court (jaise Patna Civil Court) me Section 138 NI Act ke under criminal complaint file karni hoti hai.
Saza: Is case me doshi paye jane par samne wale ko 2 saal tak ki jail aur cheque ke amount ka double tak fine dena pad sakta hai.
3. Bina Cheque Ke Fasa Paisa Kaise Nikale? (Recovery of Bad Debts)
Agar aapke paas cheque nahi hai, sirf bill (Invoice), ledger account ya WhatsApp chat ka proof hai, tab bhi aap apna paisa recover kar sakte hai:
Civil Recovery Suit: Aap Civil Court me Order 37 (Summary Suit) ke under case darj kar sakte hai. Yeh ek fast-track process hai jisme court jald faisla sunata hai.
MSME Samadhaan: Agar aapka business MSME me registered hai, toh aap 45 din se zyada late payment hone par 'MSME Samadhaan Portal' par complaint kar sakte hai. Isme aapko aapke original amount ke sath heavy interest bhi milta hai.
Conclusion
Market me fasa hua paisa (Bad debts) koi nuksan nahi hai, bas use recover karne ka sahi tarika pata hona chahiye. Time rehte uthaya gaya ek sahi legal step—chahe wo ek strong legal notice ho ya court ka case—aapke paise ko dubne se bacha sakta hai.
Author & Legal Advisor:
Advocate Sudhakar Kumar
(Practicing at Patna High Court & Patna Civil Court)
Chamber: GulKishan Advocates Chamber, Patna
Brand: My Law Suvidha
Contact For Legal Assistance & Recovery Matters:
Phone/WhatsApp: 9334055408, 7033335526
Email: advsudhakarphc@gmail.com
(Disclaimer: Yeh post kewal legal awareness ke purpose se likhi gayi hai. Kisi bhi personal case, drafting ya legal action ke liye hamesha apne advocate se direct consult karein.)