When a person has written a returned check, the person will automatically owe the amount of the check (in addition to penalties and interest, if applicable) plus a thirty-five dollar ($35) Return Check Fee. After one (1) week, it is the amount of the check (in addition to penalties and interest, if applicable) plus a sixty dollar ($60) Return Check Fee. If the returned check is not redeemed within one (1) month, legal action will be initiated. This may include a lien against your checking account, a tax lien to your employer for your wages to be garnished, placing a DMV stop (which effectively denies your renewing your drivers license or tags for any of your vehicles) or the issuing of a warrant-in-debt for you to appear in Civil Court. All of these will incur additional cost to you. The returned check must be paid in cash, certified check or money order. You may not pay using another check.