sentences:  These programs have been criticized in news journals across the country as being unfair, unethical, predatory and possibly illegal., In 2013 in Massachusetts, the prosecutors who used these programs suspended their operations when questions were raised in a Boston Globe investigation.In November 2014, the American Bar Association issued a Formal Opinion, finding that it was unethical for prosecutors to allow these companies to use prosecutor letterhead, because it was "abusive" to convey "the impression that the machinery of the criminal justice system has been mobilized" against the consumer, who is led to believe that he or she may face jail time unless the collector gets paid.In most states, it is not a crime to write a check that does not clear, unless at the time the check is written, the check writer knows that it will not clear, and is intending to defraud the merchant.