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Charges filed for check charges

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kalei20

Junior Member
What is the name of your state? TEXAS
I received a call this morning from a firm in Houston stating that a claim was being filed against me for check charges. A couple of years ago I had received a payday loan from on internet company. When the time came for them to take the funds out of my checking account to pay back the loan, I didn't have enough funds in there was an NSF. For several months they tried to take the money out and I wasn't using the account anymore. I know it was my fault for not contacting them in the first place. I called this firm back to see what was going on because the man had stated in his message that the claim was being filed today at 12pm. I found out that a Class C misdemeanor was being filed against me which still no one has explained to me. My total charges were $635. I set up to pay for half of it on Monday and the rest at the end of the month. Can anyone shed any light on what might have happened if I didn't pay it. Or what exactly is a Class C misdemeanor? The man I spoke with was very rude with me and even asked if I was really going to pay it or if I was just playing with him. I wouldn't have set up payment but I feared that something might happen since he stated something about a warrant. When I asked what that meant, he ignored me. Thanks for your time!
 


Debt Guy

Senior Member
Some states have criminal statutes for writing bad checks. Some counties have county attorneys or district attorneys that are pretty aggressive about pursuing writers of bad checks.

Take a look at this website.

http://www.ckfraud.org/penalties.html

I don't vouch for the accuracy of this site but here is what it says about Texas

Texas. Up to 2 years in county jail or up to $1,000 or both. 30 days to 2 years in jail and up to $1,000. Two to 10 years. Holder of bad check may charge obligor with any additional processing fees.

The holder of the bad check cannot file criminal charges. They can however, refer the matter to the local criminal authority (the DA) who could file criminal charges if he or she wished.
 

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