If Rent-A-Center has pursued criminal charges against you, your best response is to settle your account, says Gus Centrone, a lawyer in Tampa, Florida, who has represented Rent-A-Center customers in disputes.

“People will typically plead no contest or guilty and will have to pay the money back,” Centrone says. But that’s better than spending time in jail.

By signing a plea agreement, however, you are required to pay what the company stipulates, Centrone says. “There’s no discussion about whether the terms were fair or what was really owed.”

Unhappy With a Rent-A-Center Contract? You Have Options