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Answer: The guy is a bully. Just make sure that you obtain a receipt everytime you make a payment, or keep your canceled check. If you can, borrow this money elsewhere and pay him off as soon as you can - or work a second job if possible.
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Plus, just because a person files a police report (which would be his first necessary steps) does not guarantee that the police would even bother to investigate. They'd very likely call it a civil matter and leave it that.
However, the guy can sue you if you fail to pay back the full balance when due. If you're really late, I suggest that you voluntarily pay some interest, even if that wasn't part of the original agreement.
And keep in touch with the guy; don't try to duck him if you're doing so just because you owe him money. That's going to make him insecure or upset or angry or all three.
Don't worry about criminal charges. I can't see that happening.
If you are mailing checks be sure to keep your cancelled checks and/or send the checks certified, return receipt (however, this costs about $5.50 every time).
I can see this from his side, too - if I were him I'd be upset (especially if I counted on the money for something else), or if I lost my trust in you, etc.
But don't lose sleep over criminal charges. You haven't done anything criminal that I can think of. It would only be criminal if you had done something like embezzled or otherwise stolen the money. I'm convinced this is strictly a civil matter.
PS - cut down on every possible expense you can, even if it means no tv and no car, until you pay this guy back!
i haven't stolen- he wrote me a check! why would he hire a PI?
No, nothing criminal.
However, if this guy threatens you, YOU can file criminal charges against him!
he has threatened to send me to jail and press charges etc. That is all harrassing, right! Especially because it is all false, right?
People can't run around saying stuff like that, right!
Nothing to be scared of????????????????
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