Legal Question in Credit and Debt Law in Texas

Stop talking to the Ace Cash Express people.

I repeat: Don't talk to them. Don't talk to them. Don't talk to them.

If they call you, hang up immediately.

Or, in the alternative, get some recording equipment and start recording their phone calls (this is completely legal).

Pay them as much as you can when you can, and don't let them bully you. And don't worry about "hot checks," especially if you gave them post-dated checks.