hello, have a question

You did indeed write a check, so putting a stop payment on it is indeed check fraud.

It is not check fraud unless your specific state statute specifies this under it's pdl licensing statutes.

thanks cajun. however, if you write a check to xyz grocery, and cancel it, its check fraud....(in this case, to me, its check fraud in principle).

You are correct sswett in this theory.Most states have written an exclusion on criminal matters coming from a pdl lenders after seeing all the problems they cause.Bouncing a check where I am from to a store will get your butt thrown in jail rather quickly. District attorney usually will give you 30 days to clear up and then it is a criminal matter.

I would seek the counsel of your bankruptcy attorney prior to cancelling that check. That could be a problem.

If you took out the payday loan very recently and are filing bankruptcy (and plan to include said payday loan), that may be a problem as well. Most debts incurred within a certain time frame prior to filing bankruptcy are not dischargeable, and will not be able to be included in your filing.

You need to tread carefully on this one and consult your bankruptcy attorney before making any moves at all.

It's a bit different then writing a check to a store. Most states don't allow criminal prosecution for that sort of thing, but a few do. I would also recommend consulting with your attorney.

If you state does allow you to stop payment on a check without the chance of criminal prosecution, then once you file for bk the pdl will not be allowed to pursue collections.