Criminal charges can only be filed by the prosecutors. A check cashing business can refer something to the police, and the police may refer the case to the prosecutor, but the prosecutor is the one who makes the decision about whether criminal charges will be filed.
Collection agencies will say many things to get you to pay. Do you owe the money? If so, you may want to make an arrangement to pay in installments.
Criminal charges should only be filed in cases where the prosecutor can prove beyond a reasonable doubt that when you took out the loan (or cashed the check) that you never intended to pay the obligation (or you forged the check, or you used a check on an account that you knew was closed),
If you are concerned, I would suggest hiring an experienced criminal defense attorney who can look into your situation and defend you if you get charged.
This communication is for the purposes of general advice only. This communication does not form any contractual obligation on behalf of the Attorney Stephen W. Sawyer or the Law Offices of Stephen W. Sawyer.
This question requires more facts to come to the right answer. If you cashed a fraudulent check or somehow defrauded the check cashing place or the actual person on the check, then theft by deception is a very real possibility. You should probably contact a local attorney to cover your bases. You'll know when a charge has been filed, because you will be arrested.
Criminal charges may follow if you attempted to or were involved in a funny check cashing transaction which deprived a party of his funds. You best know what you have done. The best is to clear the ambiguities and consult with a local criminal attorney. Good luck!
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