This section does not apply to a person that sends to an individual: A convenience check for the sole purpose of accessing an existing credit line of the individual; or A prescreened firm offer of unsecured credit subject to regulation under the federal Fair Credit Reporting Act. A person may not send a check or other negotiable instrument to an individual if: The check or other negotiable instrument is sent in connection with an offer to extend secured credit to the individual; and The individual has not submitted an application for or otherwise requested the extension of secured credit before receiving the check or other negotiable instrument; or The check or other negotiable instrument is sent as part of an unsolicited offer to purchase real property. An individual who is sent a check or other negotiable instrument in violation of subsection (b) of this section is not liable for the amount of the check or other negotiable instrument unless the individual actually receives and negotiates the check or other negotiable instrument. A person that violates this section is guilty of a misdemeanor and on conviction subject to a fine not exceeding $500.