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However, the intent of the 2012 clarification to state law is that a bounced check written to a payday lender alone cannot justify criminal charges. Yet in Texas, criminal charges are frequently substantiated by little more than the lender's word and evidence that is often inadequate.
For instance, the criminal complaint against Jones simply includes a photocopy of her bounced check. Making matters worse, Texas Justice of the Peace courts, which handle claims under 10,000, appear to be rubber-stamping bad check affidavits as they receive them and indiscriminately filing criminal charges.
Once the charges are filed, the borrower must enter a plea or face an arrest cash stop loans sydney. If the borrower pleads guilty, they must pay a fine on top of the amount owed to the lender.
Jones moved after she borrowing from Cash Plus, so she did not get notice of the charges by mail. Instead, a county constable showed up at her new address.