I had a payday loan with Cash Now in Desoto Texas. I was making interest payments on it until I couldn't do it anymore. It's a storefront and each time I made a payment I had to write a check for them to keep. I got a letter from the Criminal District Attorney saying a criminal complaint has been filed against me for the offense of theft by check/issuance of a bad check and I could have a warrant for my arrest. Is this possible? There was no theft. I had been making payments. What do I do?
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Are you still making payments? When did you stop making payments? Have you ever received a letter of collection from the original lender? Did you close the account you were writing checks on?
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I am no lawyer but from what I have read about the state of Texas, I live in Houston, alot of DA's in Texas will no file theft charges for checks that were written for payment on payday loans or CSO's. The state actually resents being used as collection services for these payday operations. However, they may have presented the check as a theft of service so I would contact the district attorneys office and find out how it was worded to them. Also try and let the DA's office aware of the fact that the check was a post dated check written for a payment of a payday loan. Hope all goes well for you.
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Are you sure that the letter came from your actual DA? I ask because something about this doesn't remotely sound right. If the DA takes the time to contact you, wouldn't they be telling you that there is a warrant for you, not there may be, and if it was a criminal one, why would the DA contact you before the police arrested you? All of it just sounds strange and out of order. If you think this letter is legitimate or you are worried about it, I would contact your DA's office and ask to verify the validity of this warrant.
Is the letter from the DA on embossed letterhead with contact information?
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