Thanks to county fines, Jones now owed 918. 91 -- just four months after she had borrowed 250. In Texas, bad check writing and "theft by check" are Class B misdemeanors, punishable by up to 180 days in jail as personal loan comparison hk as potential fines and additional consequences. In the typical "hot check" case, a person writes a check that they know will bounce in order to buy something. But Texas law is clear that checks written to secure a payday loan, like Jones, are not "hot checks.
" If the lender cashes the check when the loan is due and it bounces, the assumption isnt that the borrower stole money by writing a hot check - its just that they cant repay their loan. That doesnt mean that loan transactions are exempt from Texas criminal law.
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.
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