Collection threat

It's a scam. Next time they call blow an airhorn.

How about the state assistance thing i was told? I trust my friends of course, just wanted feed back on that.

It may or may not be a scam. You can be prosecuted for a bounced check in most states depending on the amount. There are some CA's that will make first attempts to collect....after that they are forwarded onto the DA.
I used to run my own business in Minnesota. Someone bought almost $100 of products with a check on a closed account. Luckily I had a police officer who was a regular customer of mine. The woman who wrote the check lived in the same city as my business and my cop friend paid her a little visit. A money order for the check and fees ($30 in Minnesota) was delivered the next day. He gave me a template letter from the police department with his name to quote for an further NSF/bounced checks. Only had to use it a couple of times....and they paid up quick.

It was a check for the total of 119.00. Including the fees. Im on state assistance, make 8.00 an hour working 32 hours a week, supporting a family of 3. I just dont need a someone comming to my home with a warrant.i have one already for unpaid fines from a year and a half ago. Any site i can go to see what to expect?

The warrant thing sounded fishy though, soaplady. At the very least they violated the FDCPA...

Do you remember actually writing a bad check?

It was back in april. I wrote at least 3 to 3 different places. Not all at the same time, only when i had no other choice.

Warrants CAN be issued...nothing fishy about that. Writing a hot check depending on the amount can be a misdemeanor or a felony. It is called theft by check.

You wrote the checks KNOWING that they would bounce....that shows intent to defraud. It is not like it was a check book balancing error.

I havent bounced any since. Actually shredded my checks. Working at a better place now money is tight but me are making it work and gettin back on track.

Hopefully ill see if I can get them to hold the app till next fri and just take care of it and avoid any hassle. Thanks for the info and everything. Youve been very helpful!

But the collector was threatening with a warrant no? It just sounds funky to me. I don't know much about bad check laws.

You really need to do something about this because bounced checks are bad news, they don't play around. I agree that 'sending out a warrant' does sound a little fishy, so for that particular bounced check you should check with the place you wrote the check to see where it is and perhaps even work out something with them to pay it back. Most won't negotiate, but some do. Usually they simply threaten to forward the check to the DA, but it isn't an empty threat.

Now, keep in mind if it does goto the DA you can go see the DA and they tack on a bunch of fees, but they will usually set up a payment arrangement fo you to pay off the whole thing.

You need to go look up your state's bounced check laws to see exactly what can happen and how it will happen, for example in Texas they can't forward your check to the DA until they send you a certified letter.

i dont think a collecter can actually enter a warrant, i have worked as a collecter and i couldnt do that tho each state is different, i can tell you that if the check is within six months of the date wrote you can fill out some paperwork that sends it to the sheriffs office for them to collect, when the sheriff gets it they will find you and ask you to pay it, if you cant some states will make you spend a night in jail, some states will do nothing, however the sheriff is authorized to take things like tv's and what not to pay for the debt after sale in an auction(they rarely do, even for large amounts over a grand) it isnt really a warrant but you give the check to the people(sherrif) who can make a warrant if it isnt paid, secondly checks are a criminal offense in some states even a felony after a certain amount or if proved purposely fraudulent, as for the states aid if the checks are given to the sherrif or the States attorney it doesnt matter where you get your income that only matters with judgments, state aid and ssi are not garnishable nor can they be levied