They can try to charge you with issuing bad checks based upon the agreement you signed with them, but almost every DA in the US will refuse such charges and treat this as any other business dealing and as a civil matter. Thus, you need to send them a letter stating that under the Fair Debt Collection Practices Act, it is unlawful to threaten arrest or criminal action for a civil debt collection and if they continue to make such threats you will file a complaint with the Federal Trade Commission and sue them for violations of the FDCPA and for attorney's fees allowed under the Act. If you owe them the money, then demand they send you a statement on the account showing what you owe and pay them and be done with them.
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