mike101: i finally had a brief conversation with our attorney! he said that my husband did break the law but that because he paid the money back when it was due does not show "criminal intent to defraud" and that is what the da would have to prove in order to convict him of a felony. he also said that the da shares jurisdiction with the us attorney in this matter. i learn a new thing everyday. will know more on monday after our attorney talks to the da's office.