Do NOT self-repossess. Unless your contract has a specific repossession clause (and even then, it's risky without a court order), going onto someone's property to take back goods can result in trespassing or conversion claims against YOU.
Your options, from cheapest to most aggressive:
- Bad check demand letter — most states have bad check statutes that allow you to recover the check amount + damages (often 2-3x the check amount) + attorney fees. Send a formal demand letter citing your state's statute. In many states, this is a prerequisite to filing a bad check claim.
- Small claims court — if the amount is within your state's limit ($5K-$12.5K depending on state), this is fast and cheap.
- Criminal complaint — writing a bad check knowing there are insufficient funds is a crime in every state. Filing a police report may motivate payment.
- UCC remedies — as an unpaid seller of goods, you may have rights under UCC § 2-702 to reclaim the goods, but there are strict timing requirements (10-day demand after delivery on credit).