Three weeks after the marriage, she went to jail for six months for check fraud.
Today, the 28-year-old woman, who has three young children, has served four years of a 10-year sentence for check fraud.
Some check verification services also offer collection agency service for the civil prosecution of check fraud.
But financial institutions are much more concerned with check fraud.
How can I protect myself against check fraud?
Hanratty is often mocked by other agents who do not take check fraud seriously.
On the other hand, some bankers say that Check 21 will actually reduce check fraud.
I was told by several banks this is a new measure to protect against check fraud, but that it doesn't necessarily stem from 9/11.
The new tamper-resistant forms are based on technology that banks use to prevent check fraud.
He stopped doing so in October 2008 because of problems with check fraud.