Scare you. This is a civil matter. Report them to the U S Trade commision for failure to follow the fair debt collection act. Good luck.
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A private business cannot put out a warrant for someone's arrest. That requires action by a court. And, in the case of criminal charges, while anyone can go to law enforcement and complain about what someone did, it is the prosecutor's office that screens the cases and decides what will be prosecuted. This sounds like a situation where you are simply unable to pay a debt. If you are being threatened with arrest for not being able to pay on a loan from a finance company, you need to speak with a consumer rights lawyer. You may have a claim under the Texas fair debt collection practices act or the similar federal statute.
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It depends on the facts of the situation, although technically the lender is not who "puts out a warrant." If, for example, you signed a post-dated check(s) to guarantee repayment of the loan, the lender could turn in the check(s) as hot check(s) and swear out a complaint, which a prosecutor could use as the basis for a criminal charge.
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