Its not the case.....when a payday loan place takes a check they know its not good. They can try to take you to court. It is civil. Unless its a title loan then its different matter. I bet you work for one of these companies
Someone named Tim called my daughter's phone to contact me, but urged that I called them since an important decision to issue a "subpeona warrant" to me the next day. They said I must call to request a stop for this and avoid criminal charges. I never even heard of a subpeona warrant.
They called me on my phone the day before and I missed the call, so I called it back and it was some kind of investigations company. My name wasn't the same as before since I married and I gave my married name asking if someone called for me. He repeated my married name and put me on hold a long while, I figured out that he was a collections rep and hung up. He then called back wondering what happened to the connection and I said I didn't know any person by the name he sasked the for the old name, but mentioned that I was going by my married name (which he doesn't know I'm married). His voice is very convincing and intimidating, but I had someone call me like this before, probably the same firm, but nothing ever happened.
This guy call my cell phone. Stating that I owe them money from a payday loan. Which I thought was funny because this morning I went online to apply for a payday loan. Then three hours later this guy is calling about a payday loan. I asked him to mail me the information about the money I owe his reply was he can email it. Then I told him no you must mail it to me. I even explain to him that i would go to fedex.com and pay for the shipping of the package for me to get it tomorrow. His reply was I am going to do my job and nothing else. Mailing you the information isnt my job. So i asked your telling me i owe your company money and your willing to call me to tell me about it but wont send me paperwork in reference to it? His reply was yes. I told him I spoke to my attorney yesterday and they told me when i get phone call like it to ask for the so called company to mail me information about the money that is owed. And if they don't for me not to give them any personal information about myself. I just got off the phone with my attorney and she stated that this was a joke. and not to worry about it. There are people who are out there who are trying to scare people and fraud them by making them pay something that they don't owe.