Check frauds are definitely criminal offense. But to prove that you did it, the lenders need to prove that you never intended to repay the amount.

can payday lenders press fraud charges if I default? or they're just threatening me to put me in jail?

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But, payday lenders have this habit of threatening debtors about pressing fraud charges. Don't know what your lender is claiming, but they often accuse consumers of check fraud. Check frauds are definitely criminal offense. But to prove that you did it, the lenders need to prove that you never intended to repay the amount. Since, that's nearly impossible to establish, most of what they talk about, turn out to empty threats. Hope this explanation assures you.

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Failing to repay the payday lenders isn't a criminal offense. You only have civil and moral obligation to pay back the loans. Enforcement of civil obligation results in judgement, but can't push you into prison.


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