No. You would be reporting to the credit agencies that this person was late in paying. You probably should take them to small claims court to obtain a judgment against them. You should, if you win, ask for the court to do a study as to their ability to pay (in Arizona it is called a writ of execution).
The actual account holder is the person who is responsible for the debt. If a married couple reside in a community property state, they are usually equally responsible for debts, including credit card accounts.
A Debit card is just like writing a check. The money comes out of your checking account right away. A Credit card sends you a bill and then you pay it. No money leaves you until you pay the bill.
The state allows for the maximum federal amount of 25% of disposable income. The court reserves the power to reduce the percentage to a minimum of 15% if the garnishee can provide evidence that a higher rate would constitute an undue hardship upon themselves and/or dependents. (A.R.S. ~12-1598)
Absolutely. By using a check, you are agreeing to the rules set up by the processor of your checks. One of these rules is they charge you extra for bounced checks. Also, even if it wasn't legal for them to do this - you still have no standing. If you go to complain to the penal system, you will be admitting to theft, since writing a check without funds in the account to cover it is illegal - EVEN IF YOU DIDN'T KNOW THERE WASN'T MONEY IN THE ACCOUNT. Sorry to yell, but that excuse is always used. Bouncing a check has a minimum of a $250 fine with no jail time, and possibly up to a $10,000 fine with upwards of 5 years in jail. Be happy they only took 30 bucks, and try to stay ontop of your balances.
It is actually the merchant not the bank that does this. You agree to it when you wrote the merchant the check. My grocery store post this on their check acceptance policy. The reason it may say checksystem. That what they use to do forced electronic check conversion.