Internet Check Fraud from Payday Loan that was never Paid in Full. Is that a Felony offense? If it goes to court what can I do

You cannot go to jail if you do not pay back a pay day loan they may tell you that it is a bad check but the Fair Debt Collection Act section 818 states that certain checks are excluded, quote, "a postdated check presented in connection with a payday loan, or other similar transaction where the payee of the check knew that the issuer had insufficient funds at the time the check was made, drawn, or delievered." It's not check fraud or a bad check so no jail time or criminal charges can be filed it's a civial matter at that point. Pass it on.