Just curious how others are dealing with issues where "rent to own" stores are wanting to file theft charges when only the intial payment is made to get the item out of the store then after the merchant sends the customer one or more notices of non-payment the merchandise is not returned, or returned after several months of use, abuse and neglect in a severely damaged state with no further payments made.
Are you filing theft? criminal mischief? or noothing at all? Civil matter?

Theft of service here.

There are already a few threads on this subject.

Here.

And here.

And even here.