I'm in Virginia, and I put a down payment on a product. I discovered that I did not have the money to pay, so I informed the merchant, who told us that we could still get the product, but we have to pay some now, and the rest the next month, when we had the money. We picked the item up, and then utility bills came due and had to be paid right away. We do not have the money to pay right now, but will in a few weeks. Will I be charged with a crime for this? The amount we owe is over $300. Does that count as a felony? I really want to pay this guy for our product, but can't until we get another paycheck and get a loan.