I would like to request any expertise or info on the following situation:
I made a payment to a Line of Credit account for $8000 to pay it off, I only had $3000 in the bank at that time because I was expecting a deposit from a friend for $5000. I went out of town and found out the Line of Credit was credited for $8000 so I thought that the payment cleared and that my friend made the deposit. During my vacation, I reaccessed the line of credit and used some of the money. When I returned from vacation, I received a notification from the bank that the payment was returned for insufficient funds, then I received the monthly statement from the line of credit stating I had to pay the OVERLIMIT amount by the due date. A few days before the due date, I received a call from local law enforcement stating that the bank has filed a case against me for check fraud. They are demanding payment (which I am ready to pay) but I was threatened that even though I pay the amount, I still might get charged for check fraud.
Is this true? I read that I cannot be criminally charged for check fraud if the check was used to pay for an "antecedent debt" or preexisting debt/loan.
Please Help, I am very worried.
Thank you

