If the merchant takes you to small claims court, which a business CAN do you are liable for all court costs in the judgement.

I have done this several times to customers several times who have written bad checks. Often I have gotten default judgements because of no shows. The judgements have allowed me to lein houses, and freeze bank accounts. No, not the same as getting my money, but I will get it eventually. With interest.

I don't think a NJ merchant can take you to small claims court in NY though, thats probably the only reason you don't have a summons right now.

He may have to take you to regular court.

John C.