1. Consider whether any further collection action would be taken at all. I have heard that they are not likely to do anything. 2. If you elect to pay, put a release on the back of the check and send a cover letter noting that there is a release on the back of the check.
The actions of the merchant making a civil demand are those of the merchant, and not the law enforcement system. I would suggest before agreeing to meeting a civil demand that you should confer with an attorney.
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