My question involves collection proceedings in the State of: Texas.

My friend alerted me to a law office calling about fraud charges about to be filed on me. Apparently any mail the office might have sent never made it's way to their house. :/
I called back and apparently spoke with 2 different legal aides and was told the calls were recorded so they could be played in court. They were going to file Federal check fraud charges on me if I did not pay them the amount due. In a bit of panic I called around and then called them back stating I couldn't make the full payment, made a partial and agreed to paying the rest by a certain date. I felt I was forced into doing so, even after explaining that I was currently jobless.

I called back last week and explained again that I would not have the rest of the payment. I was informed that they would pursue the check fraud charges and they would not give me the name of the attorney or a state board license number because they hire out attorney's. When I call, they answer law office - so shouldn't the attorney be right there? I called the DA of the county this would be in and she just said I would make payments to the office, including any other fees tacked on. I still have yet to receive a letter for the debt though I did get the name of the lender and contacted them directly - took a while for them to find it since this was from 2005.

They did not have the correct last 4 of my social or any current addresses for me. (Just recently moved to California.)

So, can they legally file check fraud charges on me if I am unable to complete the payment? I really can't afford any misdemeanors because of my past and future job.

Thanks!!

PS: This was a store front payday loan, involved real postdated checks.