Creditor's Interchange They are saying I passed a bad check. Buffalo New York

When first contacted with CI they wanted me to pay the fullamount ($1700) I owed that day or by the end of the month. I told them I could not do that but could pay $100 a month. The man said ok but I would have to pay $340 first then do the $100 a month. I told him I don't have $340. Then he said then we will have to take the next step, arbirtraion.

So I said I will try to get the $340 and set up to have it taken out of my account at the end of May. (yes I gave them my checking info) and then would have $100 taken out for the next 5 months and they would be using check #'s 9XXX-9XXX. Well I couldn't come up with the $340 and wasn't able to contact them before the date is was to be taken out of.

I then got a call asking when I would be able to pay the $340 and I told them I wouldn't beable to. She told me that if I didn't make arrangements to cover that "check" that I have broken a federal law and they would turn it in to my county. So again I make arrangements for it to be taken out in June.

Well I had the $100 payment paid but when it came time to cover the $340 I didn't have the money. So I called letting them know. And the lady asked if I could pay some now and some later and I said no. So she said then we will notify my county that I wrote a bad check and to get an attorney to deal with that. And since I can not pay the $340 they are putting my file in arbitration.

The phone call got heated and at the end I asked what will happen now to the balance I owe and what is going to be the next step. She said to get an attorney and hung up. So was that a scare tactic? And are they really going to turn me in for "writing" a bad check?

Myrtlez
gladstone, Oregon
U.S.A.