Default on payday loan

Is a default on a payday loan considered "check fraud"? I know they consider them what they call a COD order or certified funds since they are taking it right out of your bank account. But I am worried about getting arrested for check fraud. I have offered to pay this debt at what I can afford as I am out of a job for the last 2 months. They will only accept the payments if I post date which I refuse to do because they can and will post them earlier than specified date. The debt is like $900 (that is including all the tacked on service charges). He says he can settle it for $600.00 but I cannot afford this lump sum amount as I an unemployed since this all took place. He will turn this over to go to as he says "county authoroties in a few days. Any advice would be awesome.

Did you ever get an answer? The same thing happeneed to me.

Have u heard anything regarding this matter. I know this was back in 2008 but has anything been resolved. I was threatend with a matter of the same kind. Only the legal dept says i should seek legal advice if not paid by a certain time, and will be served an hour later. Can they really do something?