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I have received several calls from collection agencies over the last couple of days, saying that I will be charged with Fraudulent use of a check regarding payday loans that I took out and have not yet gotten paid off completely. The people I have spoken to in one breath say it is a civil matter, but then say I can be criminally prosecuted for "writing bad checks". One of these loans I believe I paid off, but I do not have any written proof that it is paid. The people calling me are from several states, none of which are the one that I live in (Texas). I have no problem paying debts, but do not have the money for it right now, and I am very afraid they are going to try to bring criminal charges against me for these collections. I just want to know the law regarding this.