I received messages with the same automated VM "being filed in your county, this is your last chance, good luck." Then I finally answered 'pressed 1' and talked to someone, who couldn't send me anything in writing. Then I was transferred to Investigator Brandon Robertson, who said that I owe $1800 with interest, but that he could "see if he could get some fees taken off" for a loan that I took out for $200 in 2012. My bounced NSF fees at my old bank constituted as bank fraud and they would be filing the order today in my county, AND that they would put out a search .

Once I was sued for 1,000 for not paying back a loan (financial troubles). I paid $200 to their lawyer, then supposedly it went to court, and it was resolved that I didn't owe anything else. I think the atty. told the judge that I had already paid and in good faith.

However, I found this:

I found this:
Collection agencies who specialize in collecting payday loans often throw around threats of prosecution, warrants, or other serious charges in order to pressure debtors into making payments. Not only are these threats fales, they are VERY ILLEGAL. Such threats are clear violations of the Fair Debt Collection Practices Act.

They cannot charge you with a felony. They cannot issue warrants for your arrest. Further, they are not in contact with the District Attorney and the D.A. will not pursue criminal charges. While writing a check on an account with insufficient funds and passing it off as a good check is fraud and can be prosecuted criminally, this is not what happens when you get a pay day loan. The check you gave the payday lender was a post dated check that everyone knew was not good at the time you wrote it. You did not misrepresent anything.

You can, and should, call my office or another attorney who handles FDCPA claims. You may be entitled to compensation including statutory damages of up to $1,000, actual damages, and attorney fees and costs. Payday loan collectors use these tactics because they work and not enough people stand up for their rights. Filing such a suit can be done with no cost to you.

In the meantime, you need to start keeping good notes. Make a note of every time you are contacted by this collection agency, who you talked to, and what was said.