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What should I do if I’m being threatened with criminal charges for not paying a loan on time?

I couldn't pay payday loans on time and got over my head. Now I am being threatened with criminal charges.

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    A. Bowden Houser | The Houser Law Firm, P.C.
    1007 Hargett Street
    Jacksonville, NC 28540
    (910) 333-9679
    It is not a crime to fail to pay debts. Maybe you should record them making the threats of criminal charges and take that recording to an attorney. Could be worth your time.
    Answer Applies to: North Carolina - Replied: 4/22/2014
    Robert M. Gardner, Jr. | Hicks, Massey & Gardner, LLP
    53 W. Candler Street
    Winder, GA 30680
    (770) 307-4899
    I have seen where these types of lenders threaten people with warrants for bad checks because the customer has given them a check to "hold", then had the company run the check through. While not many of such cases would stand up in trial, that does not meant that they do not meet a limited probable cause standard for a warrant, and customers often would rather avoid being arrested than fight. I suggest speaking to a debt relief attorney and consider sending a certified letter to the company to document the situation in case an attempt for a warrant is made.
    Answer Applies to: Georgia - Replied: 4/22/2014
    Maurice Ross | Barton Barton & Plotkin
    420 Lexington Avenue
    New York, NY 10170
    (973) 896-7190
    These threats are nonsense. We do not prosecute people criminally for failure to pay debts. You should retain be bankruptcy counsel to help you set up a plan to discharge your debts.
    Answer Applies to: New York - Replied: 4/22/2014
    Michael Breczinski | Michael Breczinski
    5005 Lapeer Rd
    Burton, MI 48509
    (810) 743-2960
    Contact a lawyer that deals with collection cases for debtors. It is illegal to threaten criminal charges in order to collect a debt.
    Answer Applies to: Michigan - Replied: 4/22/2014
    James Smith | Law Office of James E. Smith
    7251 Lake Mead Blvd., Suite 300
    Las Vegas, NV 89128
    (702) 460-3765
    Don't worry. Collection tactic.
    Answer Applies to: Nevada - Replied: 4/22/2014
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