this person calls me and says he's representing a law office but won't disclose any information regarding their business and that I am going to jail and then i got transferred to two other people and I was put on hold for 5 mins. and I said who else am I gonna talk to and the man Kurt said you'll talk to 100 people before we resolve anything....so you'll do as I say. And then I said well I have payment option and they said they don't have a payment option for me because I didn't comply in time after being told that they asked what I wanted and then they gave me a code city and a number and said I needed to send almost $1000. Geez it does seem like a scam because I tried telling them to send me information via mail NOT EMAIL!!
It's a scam. You cannot be jailed for civil debt. Scammers are using bought/hacked loan application data to extort payments for fictitious debts from victims and victims' families and friends.
The FBI warns about payday loan extortion scams here http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710
The BBB has issued several alerts on this scam, just google "bbb.org alert phony debt collector"
Report to the Internet Crime Complaint Center http://www.ic3.gov/complaint/default.aspx , the Federal Communications Commission http://esupport.fcc.gov/complaints.htm , the Federal Trade Commission https://www.ftccomplaintassistant.gov/ and your state AG, as appropriate.