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Im 19 and was charged with 490.5 for stealing at macys under $50. The fine was $425. The lady said I was lucky shes giving me a break and that I did not need to go to court. I just have to pay the civil demand. No police, no charges were filed. Just had to sign forms agreeing im banned from macys for 3yrs. I was scared and ddnt know better so i set up a payment plan w/ macys and already paid 50$ as of the moment but im plannig to cancel it. Ive been doing some research and found out i dont have to pay it. Is paying macys different from paying palmer ,reiffler associates? I ddnt get a letter from the firm since i paid the first month $50. I prolly will be receiving one on the nxt month since im not giving them money. Since i paid macys can they use it against me if they try to prosecute me?