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No, the act is a civil one not criminal. The person can be sued and held accountable for damages and costs incurred if the payment was for a valid debt. FYI, a consumer should never consent to automatic withdrawal of funds from their account by a collection agency or collections attorney. Many collectors will insist they only accept payment via automatic deduction from a checking account. If such a situation arises it would be in the debtor's best interest to refuse agreement to said terms.

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