I work at a law enforcement agency, here's what I greatly suggest... it is a strong suggestion.
Take a drive to your local police department, ask to speak to an officer. Bring your contract, the bad check information and have a sit down honest discussion with an officer. You might need to have your parents come with you since you're not 18 however you may not, local laws would be the deciding factor. The police officer would be able to give you the best information as far as if you can take it anywhere.