Quote Quoting PayrolGuy
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Your cop friend isn't going to know more than what was written in the state laws I linked and isn't likely to know anything about the FCRA.

It isn't illegal in your state. If you threaten criminal action your will be violating the FCRA.

But do what you want I'm done trying to help you.
didn't mean to upset you, I thank you for all your advice and help. Contacted my cop friend, he is going to put me in touch with the prosecutor and in the mean time he suggested using my toned down version.

Quote Quoting adjusterjack
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Stop playing games with this. She's already displayed enough nerve to stop pay. If you don't have the stones to sue for your money, no amount of huffing and puffing is going to get it for you when she ignores you.
We have "the stones" to sue, we just don't have the money to sue.