Don't listen to John Doe because more than likely he is Adam Banks or works for that company. More than likely it is for an online pay day loan or something that was taken out. They try to scare everyone to think that have written bad checks. But actually they haven't. Because if an online payday loan was taken and payment didn't go through, it is not considered as a hot check. The only things that can be considered as a hot check is if it was actually written by the customer like at Walmart or QT. So, follow what Barry said "contact Texas Attorney General" plus contact FTC. Also, I would check your credit history to see if it was valid & to see how much is actually owed if it was owed. Since the 2nd or 3rd party bill collectors always add extra fees to it. Say like if you owe $300, they will try to charge you $1800+. So basically if you get called again, just tell them you have contacted Texas Attorney General & FTC about them.