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Google the Fair Debt Collection Practices Act.The guy from india with the heavy accent is just bluffing. You are right, of course – they can’t file criminal charges and they are walking a thin line right now anyway. If you can prove that they are threatening you with jail, etc. then you can sue them…. but I can guarantee you that they will claim that they never said such a thing on the phone.P.S. the reason why you can’t find an address is because you were called from a call center (most likely somewhere in India) and the loan shark company has outsourced the dirty work.You did not write a bad check in this case because the bank forced you to close the account and therefore had to put a stop payment on all checks that were still out there.
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