Q: if a personal check bounces, and the recipient relies on the check the first day is the writer responsible for all fee
there were multiple late fees from utilities
A: The first rule is, "Never write a check if you have any doubts about the availability of funds in your account to cover the check ON THE DAY YOU WROTE IT." I do not know what you mean by "There were multiple late fees from utilities." I am sure that any utility could assess a late fee for each late payment -- one fee for one payment.
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