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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 well as potential fines and additional small personal loans charleston sc. 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.