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Bad checks have a statute of limitation – typically 2 years!

(see cancelled checks below)

First, we need to be clear on the difference between a “bad check” and a check written with the “intent to defraud”. In simple terms, a bad check is usually the result of poor math calculations or your bank making a miscalculation. In either case, your intentions were good when you wrote the check. You thought you had enough money to cover the check and can show where the mistake was made thus proving your good intentions. Crooks, on the other hand, write bad checks with the intention of ripping people off. Writing checks when you know you do not have the money to cover them is a serious crime that, if caught, can land you in jail or even prison.

debt collector harassmentMake no mistake about it, writing bad checks is always illegal. However, just about every state has a statute of limitations (SoL) on the collection of bad checks; typically 2 or 3 years. If you receive a collection notice or call about a bad check, don’t panic! First, check to see if the Statute of Limitations has expired.

Next, decide whether you want (or can afford) to pay the debt. If you plan to pay the debt, be sure that you are only paying what state law allows. Check your state law to determine what fee(s) (if any) collectors can add to the face value of the check. Many states limit collection fees to a certain amount such as $100 or to a percentage of the face value of the check and prohibit interest charges.

The FDCPA, Section 808 makes it an unfair practice to collect “any amount (including any interest, fee, charge or expense . . .) unless such an amount is expressly authorized by the agreement creating the debt or permitted by State law.”

Debt collectors may attempt to collect a fee or charge in addition to the debt if either:

(A) the charge is expressly provided for in the contract creating the debt and the charge is not prohibited by state law, or

(B) the contract is silent but the charge is otherwise expressly permitted by state law.

Conversely, debt collectors may not collect an additional amount if either:

(A) state law expressly prohibits collection of the amount or;

(B) the contract does not provide for collection of the amount and state law is silent.

NOTE: If state law permits collection of reasonable fees, the reasonableness (and consequential legality) of these fees is determined by state law. So, unpaid debts sent to collection agencies, whether closed or charged off MAY still accrue charges and fees IF the credit contract allows it and State law does not prohibit it. Many states do limit the amount that can be charged and, if the State does have a law, it overrules the credit contract.

Cancelled Checks: When you write a check, it’s like writing a promissory note that says the funds are available and when the instrument (in this case a check) is presented to your bank, funds will be withdrawn from your account to cover the amount of the check. When this happens, the debt is, in effect cancelled, thus the term “cancelled check”.

However, the same term can also be used when you cancel a check. For instance, after sending a check, you change your mind, you can ask your bank to cancel (stop payment) on the check. This means the bank will not honor the check if presented. Banks usually charge a fee for this service.

If a debt collector is collecting a bad check debt which is past the statute of limitations, or you believe you are a victim of illegal or unfair debt collection practices, submit your information to a FREE* Fair Debt Lawyer by:

The debt collector may just be liable to you for statutory damages of up to $1,000, plus any actual damages suffered, plus attorney fees!

confidential informationThere may be instances where discussing your situation over a public forum could potentially compromise your interests. On these occasions we will contact you directly via email in order to answer your inquiry in a confidential manner.


  1. I wrote a check for $51.45 in December, 1996,I did not know this check was bad since I never received a bank notice or letter from merchant. In January, 1998 the merchant filed an affidavit against, which was never delivered to me, in February, 1998 a warrant was issued for my arrest, again I was never served with a warrant.I lived in this county for 7 years after charges were filed. On July 26,2014 upon returning home from work I checked my mail and there was an envelope from Pontotoc County Sheriff’s Dept, enclosed was a copy of a 1998 affidavit and a copy of a warrant ordered in 1998. The warrant is not a capias warrant. 18 years has passed and this is the first I have ever heard of this $51.45 check.

    • That sounds odd. Claims for bad checks, and civil arrests warrants, usually expire faster than the timelines you state, and it seems you may be the victim of some sort of scam. The Debt Help Lawyers at this site will review any debt or credit related documents for free and tell you if this is something you can ignore or if its something you need to handle. You can fax any documents you want reviewed to 866-773-6152 and get a FREE no obligation case review, just make sure to include your contact info.

      • Thank you, and I will be faxing those papers in the a.m. I received another copy of the affidavit and warrant today but this one has someone different listed with the Sherriffs Dept

    • I came across the same issue here in Missouri last week after being pulled over for speeding. I have not been in the state since 1995 when the check was written. The warrant is only for that county and has no extradition outside of there. It has been 20 years.

  2. Jacqueline Johnson

    I took out a payday loan 10-17-2008. I made about 4 payments and then could not afford to pay on the loan any longer. A company is now calling me stating they have assumed this debt from the payday loan company and will be filing criminal charges against me for fraud because the electronic debit did not go through back in 2008 unless I pay them right now over the telephone. Can this collection company continue to try and collect on this debt which is now almost 6 years old.. I am located in the state of California

  3. I had taken out a payday loan in early 2008. After not being about to pay on it, the debt was sold off to a debt collection company. I filed bankruptcy in 2010 and it was discharged in 2011. As far as I can tell this debt was put on my bankruptcy. Now all if a sudden there is some mediation company calling me stating that I need to pay this debt or they will send the case off the the courts and that I will be arrested and charged with 3 counts of felony charges. I had called the original debtor and they said they never contracted any mediator to collect this debt and that it was sold off to a debt collector in august 2008.

    • UNTRUE. Don’t worry, your debt got sold to a bottom feeder just looking to prey on the weak. Pay nothing, and FYI as a general rule, collectors who make threats like this often are not viable fly by night companies you can simply ignore.

      • I am having the same problem I wrote for a payday loan 5 years ago and is still getting calls today. This law office has threatens me and claims to issue a warrant for my arrest. Is this true, they will not give me any paper work unless I make a payment first credit card or money order.

  4. Ok I wrote a check in 2007 of October this woman calls me and says she will be issuing a warrant for my arrest so I told the woman about statue of limitations and she says the law had changed so I just hung up on her as I figured she was trying to scam me for the money anyways she knew she was wrong

  5. I post dated a check for $2,000 as down payment on a car, the dealer told me if i didnt have the money the people would work with me, well several weeks later the motor went out and then the transmission, i picked the dealer and he said he would repair all the repairs and take care of the check for the down payment, well he didnt that was in 2011, now dec. 2014 im getting calls saying a warrant will be issued for MY arrest. I even paid the collector the settlement portion of it and there still threating me.

  6. National Recovery Services is calling me dating that I took out a Payday loan in 2005 and it is unpaid. They say my check did not clear. And that they are going to serve me with a court order tomorrow to pursue me for a fraudulent charge and the $255 plus penalties for a total amount of $530. Is there a statue of limitations protecting me from this? It has been NINE years.

    • There are limitations, yes. And National is not going to do what it says, because it cannot. But it has violated the FDCPA, and you are entitled to money from them for that. Call 888 595 9111 now and get the Fair Debt process started.

  7. is there limitations on check collection in Georgia, I have a law firm saying they have a check from 17 years ago for $300 and want me to pay $600 and there was never any reason they couldn’t find me they had my address and I’ve lived here over 20 years! Thanks for any help!

    • There are! What’s the law firm’s name and what was the original debt for? Call us and we will get you the help you need, 888-595-9111, free no obligation consultation.

  8. I took out a payday loan in July 2007. After not being able to pay, the debt was sold off to some company that keeps calling me with “unknown” numbers. If I didn’t pick up then they would have someone else call. They would say that they will be filing criminal charges against me for fraud and that they would go to the district attorney. They also stated that my account at that time was closed and that I had intended to defraud. I had no intentions of defrauding anyone. I paid them $400 and I still have my receipt from that. It’s been 1 1/2 years since that transaction and they just recently started contacting me again. I am not sure what to do.

    • Usually, when people make threats such as these the collection company is not a real, viable entity and are collecting on scare tactics alone. But, there are collectors and companies that push this envelope, so keep a call log, send it to us and we will review it and hunt down the callers and make them pay you! Get started today by calling us at 888-595-9111, we will open a file for you and protect you! No cost to you.

  9. The Hot Ck division called a relative of mines looking on 1/28/15 saying I had 4 hot checks written all over $1500 each 5/09 from JP-5 a small town the checks were file in that office from merchant in 2009, but same county and four warrants have been issued for my arrest as of last week1/15 no exact day was given.

    Also, I served fifteen months in state jail released
    11/2014 on theft by check on checks written in 2009 the check were from same county, but file in another town where prosuctor attorney bared false witness and stacked false documents to win the case and changed it from theft by check to theft of property after sentencing in 2012. Does statue limitation apply at this new offense from 2009. What can I do?

    • Have criminal charges been filled against you for this alleged theft or is this a collector making empty threats? The attorneys on this site handle a wide array of consumer rights issues. If you are dealing with criminal charge, I’d suggest reaching out to an attorney in your area that handles these types of cases. If this is a fair debt rights issue, please reach out to us for a free review. 888-595-9111.

  10. I wrote a bad check in 08 and have heard nothing I moved out of town but the DMV has my new address I live in Illinois is it past the statue of limitations for them to persuelegal action ??

    • The Statute of Limitations on debt is a rule that sets a time limit within which a creditor may sue you for payment of a debt. The length of time varies from state to state. If a debt collector threatens to sue you over a debt that is beyond the state statute of limitations, they are in violation of the Fair Debt Collection Practices Act. When a statute of limitation expires, it does not mean that the debt goes away, it only means you can use it as a defense to stop collectors from collecting thru the court system. Collectors can still try to collect thru other methods. Under the right circumstances the debt statute of limitations can be renewed for just about any type of debt. If you are being contacted by a debt collector and think your fair debt rights are being violated, Fair Debt Case Review or call toll free 888-595-9111 to request a free case review.

  11. I took out a payday loan back in Aug 2003 in the state of Indiana. I have never heard anything regarding this check. I moved in 2005 out of state. I have received a email from ACS Inc stating that if I settle out of court, but if I go to court I will be charged with a violation of federal banking regulation, collateral check fraud and theft by deception. Now it there not a statue of limitations on this. The money was in my account at the time and I was not deceiving anybody. I had been paying on it but got to overwelmed at that time.

    • Thank you for question. Consumers do have rights under a variety of laws designed to protect you, including protecting you from this collector or creditor’s harassment, repetitive calls and verbal abuse. A few additional questions may help us sort out the issue. Have you received a collection letter? Did you dispute the debt with the collector and request validation for the account? If yes, did the collector respond to your dispute in writing? Take advantage of this site’s FREE, no obligation case review and let’s figure out how to get you some real help, you may be entitled to $1,000 or more! Make the collector follow the law or pay you, call us at 888-595-9111 and we’ll get you taken care of.

  12. Hi. I got a payday loan back in 2007 in the state of California $300 or $500, due to financial problems I was unable to pay them back. They originally attempted to cash the electronic check twice and both times it came back as NFS. Due to the NFS status of the account I had to close the checking account. They attempt to cash the check again but come back as a closed account. Now, 8 years now I have a law group collections dept. calling me telling me that they are filing 2 counts of criminal charges and place an order for my arrest! They also released loan information to family members without my permission …3rd. party disclosure?

    My question is what is the statue of criminal charges for “bad” check in the state of California?

    • The collection tactics you describe sound fishy. The Statute of Limitations on debt is a rule that sets a time limit within which a creditor may sue you for payment of a debt. The length of time varies from state to state. If a debt collector threatens to sue you over a debt that is beyond the state statute of limitations, they are in violation of the Fair Debt Collection Practices Act. Read this section of our website on bad checks Take advantage of this site’s FREE, no obligation case review and let’s figure out how to get you some real help, you may be entitled to $1,000 or more! Make the collector follow the law or pay you, call us at 888-595-9111 and we’ll get you taken care of.

  13. I took out a payday loan in 2013. I made several payments on the loan but I was in a bad accident and my car was totaled. Long story short I lost my job and have been without a job since. I moved in with friends. Today I received an email from them stating that I owed them for the debt and I asked for the amount and date, which he responded. $400.00 on feb 13 2013. I then told him I don’t deny the debt and if they will work with me on repaying the debt, I have no problem paying it. He responded again saying since I didn’t have a job I could pay $50.00 a month until it was paid in full. I had no issue with this because it seemed fair and reasonable. I asked him to send me western union information and I would make my first payment next week because I needed a few days to come up with the money. I even stated any extra money I came across I would apply to the debt to pay it off faster. In his return email he said I would be getting a court summons soon, when I asked why, I agreed to pay the debt, he responded by saying it needed to be paid today or they would not help me. I asked him how he could contact someone that’s been unemployed for two years and expect them to make a payment right then and there. I responded to his email, acknowledged the debt, agreed to pay per his agreement but I only needed one week to make the first payment and would make a payment on the first of each month after. How is it fair for them to do that?

    • You may have experienced a Fair Debt violation(s), the Debt Help Lawyers at this site can provide you a free, no obligation Fair Debt consultation. Give us a call and let’s figure out how to get you some real help, you may be entitled to $1,000 or more! Additionally, you may also benefit from re-prioritizing your debt through debt settlement by resolving these old account for less than what is owed, call us at 888-595-9111 and we’ll get you taken care of.

  14. apparently in 1996 i wrote a bad check in the amount of 218.00. today 3/11/2015 i received a letter stating i have a warrant for my arrest. i have had a number of background checks recently for jobs and no arrest record has been detected. i have a criminal history report that i received from a local police department and there is no record of any active warrants. i have researched the letter address information and it all shows to be accurate. isn’t there a SOL on this?

    • Sounds like a non-viable debt collector. However, our Debt Help Lawyers can provide you a free, no obligation Fair Debt consultation if they are a viable company, you may entitled to a damage award of up to $1000. Save the letter and start a call log give us a call now and share the details with one of our legal assistants 888-595-9111 and we will get started figuring out how to help you!

  15. I took out a payday loan 9-28-12 and had mutliple payday loans. I became burdened with the payments and contacted a financial company to help. They sent each one a notification to respond to in a timely manner because they were either not legal to operate in the state of Oklahoma or their interest rates were illegal. I closed my bank account so they couldn’t debit any more payments. 2 years later (yesterday) I got an automated call saying I had committed fraud with a bad check. They said they sent me a letter 1-27-15 to respond in 30 days. They did not send that letter. Now since I haven’t responded they said they got permission from the DA’s office in my county to file charges. Can they do this? Thank you.

    • It sure sounds like a non-viable debt collector. If they wanted to sue you for the debt, they will file a lawsuit, no need to get permission from the DA to file a civil lawsuit.
      Do not admit to owing anything, I would suggest that if they call again get the name of the collector, their address, account number and send a dispute letter. If they won’t give you any of their information, ignore them.
      If they respond to you in writing please contact us, the debt collector may just be liable to you for statutory damages of up to $1,000, plus any actual damages suffered, plus attorney fees!

  16. I wrote bad checks like 10 of them 23 years ago , the sum of them arround 2000 dollars , and i left USA , i would like to visit USA , i need to know what will happen on border when i enter

  17. I would appreciate some help with my question.

    I owe my previous landlord for unpaid rent. This is going back to 2012. I wrote him a check $5,900. A friend of mine told me she lend me the money to write the check, so I wrote it in advance as the landlord was pressuring me to do. Unfortunately my friend could not lend me the money after I had already written the check. I figured it was no big deal, because my father had been friends with the landlord for decades.

    When I told the landlord that I could not come up with the money, he hurried up and tried to cash the check, so he could hold it over my head and try to threaten me in order to get money from me.

    We have since moved and we’ve been paying him little by little every month. Unfortunately I get laid off during the winter months, so I stopped paying him a few months ago. He showed up at my house yesterday and told me that I better give him money, otherwise he would use that check and have me arrested.

    Has the limitations past? Its been about 3 year . Should I worry about going to jail? Can he still hold this check over me and threaten me with it? Some insight on this is appre coated. Thanks.

    • When did you last make a payment to your landlord? Has the landlord sued you? Some additional detail will help us better answer your question. You may have experienced some sort of Fair Debt violation(s), and even if not, it sounds like you would benefit from re-prioritizing your debts through debt settlement, and the Debt Help Lawyers at this site can provide you a free, no obligation Fair Debt consultation. The worst thing to do is nothing, so call us now at 888-595-9111 and we will get started figuring our how to help you!

  18. ello, I just recently got a letter on the mail sommoning me to court within 30 days. I am being convicted of 3 counts of class 1 Misdemeanors. I was being accussed of writing 3 bad checks of the amounts of $200, $200 & $151. These postdated checks I wrote to a pet clinic for the medical costs of a dog that was dieing. I didn’t have the heart to let her die, so I decided to pay the few extra hundred bucks to get her the help she needed. I was and still am struggling with money, but I figured I would find a way to take care of these payments. At the time, I was set up for direct deposit, so my paycheck went directly in the same account as the checks that were to be taken care of. I should also add, that I had a ton of other bills at the time that were as equal importance as my vet bill. By the time the vet took their share out, I had still a few bucks in my account, but not enough to cover the entire payment of the check. But, since I had direct deposit I figured that my next check to go in there would cover the insufficient fees from the payment, there for the vet still getting there full payment. My account was showing them taking their payments a few days after the postdated checks were written for. But again, I knew when my ch3ck came through that it would cover all insuffiecient funds.
    A few months went buy, and I was getting phone calls and letters from the bad check program advising me that the Pet clinic was trying to collect their money. I was told that if i didnt call eithin a certain date i would have a warrant out for my arrest. So, I gave them a call & set up a payment plan, assuming that they didnt get paid off like i thought they did. I explained to the receptionist with the bad check program that I don’t have a whole lot of money right now and that i couldbt afford to make big payments. She told me i had no choice then to make $100 payments each month. That was way more than I could afford and honestly didnt know how i was gonna make it work. I Struggled to make the first payment of $100 when it was due. When the next month came along, I had ababsolutely no way of being able to make a payment, so I went in to let them know that I wouldnt have a payment this month and that i would try to get them $200 next month to make up for not being able to pay that month. They said that it was fine with them, no big deal. I wasn’t able to come up with anything like i said i would try to do the next month, becauuse I was having to help support anf feed my family while my dad was out of work due to a surgery that haf him on bedrest for a few weeks. I was honestly too embarrassed to call and let them knkw i wouldnt have their payment yet again, so i thought it would be ok to catch up the up coming month. I was waiting on my check to come in so i could make a payment when a few days before i got my paycheck i recieved a letter in the mail telling my that they have taken it to criminal court & informed me of my 3 misdemeanors due to none payment of the 3 postdated checks. My question to you is, what do you think they will charge me with? Is this a severe enough situation that they could send me to jail? I feel bad that I couldnt get the payments in, in a timely matter, but i was doing what I could do with my limited income. I wasnt trying to just ignore the fact they wanted their money. Im just really scared. This is my first time ever getting in trouble for anything. I have no priors. I just need to get someones legal opinion on this. Thank you!

  19. I have been receiving calls from a LA, California number and they state that I owe them $272 from a bad check in Louisiana in June 2007. I got a little information from them about this check but they refuse to give me the original amount the check was written for. They have called my in laws home and stated to them they were trying to locate me for an important criminal matter because of a warrant for my arrest. I have called out bank and we cannot locate this supposedly NSF check by the information they give me. My husband is active duty army so it’s not very hard to find me or him. Our identity was stolen a few years ago and we are still trying to pick up the pieces from it and are constantly finding more and more things that have occurred. I need to know is this was truly a mistake on our behalf or was it part of the identity theft. The company calling is not very helpful. I have asked for an address that I can send a letter of dispute to and they refuse to give me one. I need the amount of the check so our bank can help us determine if this is part of the theft or actually our debt. It’s been almost 8 years since check was written and these calls to family threatening that I will be arrested are very embarrassing. What can I do?

  20. In 2011 I took out a payday loan at Ace Cash Advance. It couldn’t have been more than $400. The check didn’t clear because I misconstrued the dates I was supposed to go in and pay it and by the time I remembered they had already sent it to the bank. So I had NSF. A company called NRG Assets based out of Buffalo, NY contacted me around last August saying I owed $700 and they had made a settlement of $500. I agreed I paid about $300 of it before I started to believed they’re full of crap. They threaten me with court and criminal charges and that they are going to send someone to my job with court papers. They call me ALL the time claiming that I had a phone conference and I missed it. I’ve also asked numerous times for them to send me paperwork and they won’t! They’ve sent me on email and the only thing that was on it was the amount I owed and the payment agreement amount. Total BS. So I’ve stopped giving them my money. Should I finish payments or are they scammers? I’m terrified I have a warrant for my arrest.

  21. Received a warrant in the mail today for a worthless check to a former landlord. I never received any notification until now. I live in Louisiana. Nothing was ever sent certified mail and everything was sent to an old P.O. box. The amount is for $1100. I don’t have the money but don’t want to go to jail. I tried making arrangements but he refused and threatened me with being prosecuted. Can I be put in jail for this?

  22. I live in South Dakota and I just received a notice from Chexcel stating I have a $531.66 NSF check drawn on Well Fargo. This is very strange as I have not had an account with Wells Fargo for over 9 years and when I closed this account the bank told me all my checks had cleared and they gave me my remaining money. I have not received any other notice regarding this check. Is this legal to wait 9 years to try to say I have a bad check?

    • Sounds like a junk debt buyer. Have you received any letters? Send them over to us via fax 866-773-6152 or email help@fair-debt-collection.com We will have an attorney review their collection activity to determine if they have violated your rights. The good news is that if you have a claim against this company, an attorney can represent you at no cost and potentially recover a damage award for you. Give us a call.

  23. My husband took out a payday loan back in 2007. In fact we had done so several times due to fins social hardship. He was an E2 in the Army and we were lucky to afford gas every week. We got a hardship discharge from the army and we moved out of state rather quickly. (Kansas is where we lived) We moved assumed the check had cleared. As there was thousands of dollars in the bank when we moved because the army gave us money to move back home.

    Now here we are and we receive a strange and quite rude phone call from an unknown caller claiming that we are being called to court and my husbands employer will be contacted and he will have warrants for his arrest. This happened 8 years ago! We assumed it was paid. They said the name of the company is JSS Solutions Group. They refuse to give us any information. I told them I do not believe the legitimacy of this debt and asked for proof. I then began to google them and am unable to find anything on this company. I also looked up KS state statute of limitations and presuming I am understanding it, it is 5 years. So then they have no legal right to be bullying us like this, correct?

    • You did the right thing by researching before falling victim to their collection tactics. If you receive a collection letter from this company we would be happy to have an attorney review it and determine if they have violated your consumer rights. In the mean time, keep a call log and then reach out to us, we can help.

  24. Hello this question is in regards to a fraudulent check my girlfriend received back in April 2014. She worked for a company that required her to be a mystery shopper and she did a few jobs. After that she received a postal check and everything looked legit. She cashed the check at her credit union but never deposited it. They ran the check to make sure it was valid and everything came out good. Fast forward to a week ago the credit union withdrew the funds she initially cashed from her savings, stating the check back from a year ago was fraudulent. Is there anything we can do? She had no idea the check was bad … Plus it’s been over a year. I would think the credit union has safe guards against that. Plus I feel they should be on her side not penalizing her. Any help would definitely be appreciated!

  25. I got a call a couple months ago stating back in 2010 I got a payday loan (never did) they had my old address, old old bank account number and my cell number which I’ve had for 8 years. They said I owe 600 for a 300 dollar loan and since it wasn’t paid they are going to file on a bad check.. I ask how come they are just now reaching out to me and he stated cause it’s not a huge amount.. not by letter or anything..just that call. So I asked if I could get some kind of document and he asked for my email… get the email from lyon stone acquisition and it has a total different amount owed(750) after that they were call once a day on a blocked number threatening with charges..now I just don’t answer cause it just seemed odd to me… i live in md and don’t know the limitations or how to get them to stop calling

    • Sounds like you may be a victim of ID theft and illegal collections. Can you call us for a free. no obligation case review; we’d like to gather some additional facts to see if we can help.

  26. A Debt collector has been calling me and my parents about a bad check on my brother in law (my husbands brother). They have continued to call several times and every time I tell them not to call us any more, call my brother in law, and how they got my parents # because they are not of any relation to him nor do they have the same last name. But yesterday the called my parents and my house again, and this time the man who call is threatening by saying if he, my bro in law, doesn’t pay this he is going to jail, and asking my parents if he has ripped them off to because they don’t have any contact #. He tells my 15 year old son he is going to jail and in a world of trouble.

    Is the debt collector breaking the law due to privacy policies. I work in finance and we are not supposed to give out any information unless we have permission from the customer, even if we are collecting on a loan.

  27. Hi, Took out a payday loan in 2011. Changed banks due to conviennience, after submitting payment via several postdated checks to check-n-go. Thought I had enough to cover any outstnding checks. NOW, 4 years later, I am being contacted via phone by an AFS Funderberg group from Rocklin, S. Dakota (they claim!) stating I will be charged with fraud because some of the checks came back acct. closed. Tried to work with them, asked for any supporting documents. Argreed to try to get old bank records & I also wnted to make sure they were legitimate. I got an email, after that, from ‘docusign, merely stating that I agree to pay $250.00 if I sign the doc. now, no info. about who they were etc. I I owe this, I stated to them, I want to take care of this. I can not find a web site for them & when I call them, their answering voice mail cuts off the name of their business. Have you ever heard of this company, & if I do owe this, how can I make sure this is legit??????

  28. I recently got a phone message from a lady .she said she was in New York at a legal office. She was telling me I had a debt from a check I had written in 2007. I asked her to send me hard copies of all information she had certified mail.when I asked her for the account information to verify the check debt she said she couldn’t give it to me and I had to get it from the bank.I haven’t had this account for years and have not lived there since the end of 2007 then she said there was a notice sent to me in 2008/2009 I never got it .I felt threatened when she told me The only paperwork I would get would be a summons to appear then I would be arrested and go to jail.I then out of fear gave her my bank card number for the first payment of 100.00. Then she said I have to allow a 395 payment
    I then lost my a.t.m. Card and have not paid anymore money or authorized any from the bank. I recently have contacted the place and came to an agreement.Can I be in trouble for this ?also when the payment of 100.00 appeared on my statement it said a completely different state than New York.I didn’t pay anymore.

  29. I received a letter from The Pontotoc Ms Sheriff’s Dept for a check from 24 years ago. A $10 check cost me $110. They said if I didn’t pay it they would arrest me. I read that there’s a 2 year statue of limitations. Can anyone give me any advice?

    • I have the same problem from pontotoc ms.
      19 years ago, now they are threatening me with a warrant.
      I don’t live there, I’m in tx. I need help

  30. I received a telephone call today from the county here in Michigan about snow alleged bad check I wrote to The Secretary of State for my license renewal. I was role the check was returned n back in #009. I was also told the debt had been repaid. Now I’m being told a warrant will be issued for my arrest if I don’t pay fees to the county prosecutors office
    I listened, but never acknowledged the debt was mine. I stated this was a scam
    Should I be concerned?

  31. Hi in 2003 I purchase a car. I gave two checks. one for $500.00 and the other $1800.00. they were posted dated. the car saleman said he was going to work with me. when I got home. I was told they over charged me. The car was returned with in a month. they deposit the $500.00. They supposed to gave me back the other check. but they did not. 2014 i was served some paper about the check.do i still have to pay the check if they got the car back within a month. the same people do not work for the dealership. I lived in north carolina is there a status limitation.

  32. I received a call from a company that said i took a loan out from suntrust bank in 2009 , as far as i can remember my account was closed in 2007 ?? he stated they want to take me to court for 2 different types of fraud, if i dont make a payment right now.. ive had this number for 6 years why am i just now hearing about this . And i cant find anything on my credit for this loan they said i took out.. any help would be nice please

  33. I have recently had a background check done on me for a job I really want. The report states that I have a worthless check charge from Oct 2006. This was a check which I post dated to cover my daughters last months rent. My daughter moved to Germany, because her new husband was in the military and stationed there. Well the landlord put the check thru the bank before the date and the check was returned. The landlord then filed charges against me, which I had found out much later, n when I did, I got a money order n paid the landlord, and received my returned check back, and the landlord assured me that she would take care of the charges she filed, is there any way I can get this off my background check? Its has been 9 years now and the report does state that I was u served, but I have no way to prove this, because I know I don’t have the money order receipt or the returned check because it has been 9 years…

  34. Hi, I applied for a private security license last week in Kansas City (Jackson County) and was told I have a warrant for insufficient funds from 2006 out of Lafayette County. This is the first time it’s come up despite having a few jobs since then, all in Jackson County. I called the courthouse and was told I need to go to a sheriff’s department, turn myself in, and post $100 bail. Then I’ll get a court date and details on the check amount. I know it isn’t much, likely for gas for the car, nothing major. Anyway, it’s been 9 years and I currently don’t have the funds to take care of this. I would have had a security job if this hadn’t come up. If the statute of limitations runs out, will the warrant go away, or will it always be there until I take care of the check? And I thought the statute of limitations would have run out by now. Your response is greatly appreciated.

  35. Hello
    I took out a cash advance from a place about 8 years ago due to financial hardship. Now 8 years later i have been receiving a series of calls from an investigator claiming that i had to pay them $950 when the check was only for $255 or y hey were to file criminal charges for 2 counts of felony fraud on the following monday (they were calling friday) when i agree to make payments the wanted the money within an hour they asked me to do a money graham for a company name kwa how can i find out if they are not scammers?

  36. These people have harassed me for the past 4 years over post dated check from 8 years ago. I received 16 phone calls in a matter of 2 minutes because the person on the other end of the line used profanity and I kept hanging up. They are now sending emails to me claiming I will be prosecuted if I don’t pay them. My concern is they have my address, my ex husbands phone number and his social security number. Any suggestions because the last time I contacted them and asked questions the guy used profanity and said he wanted to have sex, so I’m at a loss as to where to go from here. I’ve researched the law firm and name given for the lawyer to no avail but they are threatening with theft by deception so? Just asking

  37. Received three call from Dt. Butler stating he is in the processing of filing a arrant for my arrest for a bad check through my old (18 years) Credit Union account. He gave me 4 address he had on me, all are old and wanted to to infirm him which one was correct, NOT. He stated that IHe stated I committed identity theft, on an old credit union account AFL-CIO and gave me a BS account #. I informed him that I’m unaware of what he is spoke of and he got very nasty and disrespectful. I reached out to the credit union and was advised that they do not use a Detective to collect any funds and that I do not owe them anything. I was advised by the credit union to file a police report and they were told about this scam in the pass.
    Detective Butler called me again the next day from the Charles County Courthouse in Maryland stating I need to call 1-888-998-8113 x 101 so I can settle the debt. I called the number and spoke a rude woman who could not pull me up, later she did stating I bounced a check in 2000 at the car dealership I still use!!?? Which makes no sense. She informed me that I will be facing criminal charges if I did not pay them today and I will be issued a warrant for Fraud and Identity Theft. Call the DA office in my state and filling reports on these scammers.

  38. My wife and were at a local Walmart today to make an exchange on a item to small they denied her a refund because of an item on there TRS system we call the 800 number given to us and they said they did not have any bad information on there system but gave us another 800 number for FMS systems they said that a check my wife had written back in 2003 had come back to them and that a letter was sent out to the address on file we never have received a letter today 08/31/15 was the first we have ever heard of this check coming back they said that they will not removed the bad debt unless we pay $357.00. There must be a statue of limitations in Colorado where this took place we have been in Arizona for the past 7 years. What can we do we do not even have any way of confirming this information as the records from that year have already been destroyed so we are at there mercy.

  39. I took a payday loan out in AZ in 2009 for $250.00. I got behind on paying it and they sent me to collections. 6 years later I get a call today from a “Assurant Assets management group” stating that I had to pay the debt or they were going to pass it to the lawyer with my case and send me to civil court for fraudulent checks. I told them I had the intent to pay it back but it I hit a rough patch, they told me they didn’t accept payment plans but to avoid getting arrested and paying additional court fees, I could pay $310 and it would be settled! I’m a little confused on what to do because I haven’t lived in the state I took the payday loan out of for 4 years. What should I do?? Help!!

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