Q: A checkashing place is charging me $1,500 to cash a $21,150 government check in california. Legal? Or not?

A: Let's see here. Just as an fyi, you should know, I answer on average here about once a day and I do so to try to do my part in helping the public. I will usually only respond when I have something to offer and here, in a slightly different vein, my 'offer' is not exactly going to get the job done for you, so, my apologies. Let me also note that some attorneys, nameless ones, seem to be answering questions all day long, in wordy responses that seem very well thought out but apparently come from AI searches? Alot of words, does not an answer make and 'most things legal' have more than one possibility, as that is how attorneys make a living, fighting over the answers...

So, there may indeed be a cap on charges on GOV checks?

I should note, such checks are 'golden' and not subject in most

cases to nsf or bouncing, so, imho, unless there is a 'judgment' out there

against you and even then, since those funds are typically 'protected' one

really should just DEPOSIT the check(s) into a real bank or credit

union where NO funds will be taken from it.

Good luck with that.

A: Under California law, the maximum fee that can be charged for cashing a government check is generally lower than what you've been charged. If the fee exceeds the legal limit, which often is around 3% for government checks, then the charge of $1,500 for a $21,150 government check appears to be significantly higher than California's allowable rate.

To address this issue, first, gather all relevant documentation such as the receipt for the transaction, the original check, and any other related paperwork. Contact the check cashing place and express your concern regarding the excessive fee. If they refuse to adjust the charge to the legal limit, you can report the matter to your local consumer protection agency or the California Department of Business Oversight, which regulates check cashing businesses.

If necessary, consider seeking legal advice to understand more about your rights and the steps you can take to recover your money. You may also consider filing a small claims lawsuit if the amount in question falls within the limits for small claims court in California. Remember, maintaining records and communicating in writing can strengthen your position.