What Happens If You Rip a Check?
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When a check is ripped, it makes it difficult or impossible to process the check, as the information needed to properly negotiate it is missing. Depending on the laws of the state and the bank or institution, you may be able to make a claim for the money if the check has not been cashed. However, if the check has already been cashed, then you are likely out of luck and will owe the amount of the check to the rightful recipient.