Help with Texas ACE Cash Express

Call the Texas Office of Consumer Credit Commissioner at (512) 936-7600 and ask them. If I were you, I would send them a letter (ace Cash) via the mail, certified return receipt requested, in that letter I would explain your situation and outline a plan to pay them back. I would also send them a good faith payment. If you continue to send them payments on a regular basis by the time it goes to court you will probably have it almost paid off, and even if you don't and they decide to sue you it will show the judge that you were not attempting to get out of paying this debt. But the longer you put off not sending them payments, the worse it will look on you.

Ace only offers a limited amount of renewals due to Texas laws - most likely what has happened is that you've exhausted your renewal options and they had to complete the loan terms in order to stay legal.

Did you get the Ace loan through the internet or through a storefront? As in - you could have picked up the cash at a store - but did you apply online and over the phone or walk into a store? That's going to be your biggest factor in what your possible legal ramifications are.

Shazzers is correct though - you need to maintain contact with them and offer a repayment solution. Most likely, if it is a reasonable arrangement, you'll be able to make payments. TX is pretty difficult as it is a debtor state and in order to attact lending options, they have made pretty stringent laws in regards to what qualifies as check fraud, etc.

Your check being unsigned is a good way for you to say "Hey, the check you sent wasn't even a good check - it doesn't qualify as fraud as I never intended that. This is what I can pay and when I can start payments." Get a pre-paid debit card and set up secured arrangements on that, and make sure your money is always available. They are very good at working with you if you work with them, and as far as I know, they will not sue unless there is no communication or intent to pay.

Recovering Shark.... I walked into the store...renewed four times and then your are right I was unable to renew and then was stuck (ex husband having left and closed my accounts)...