Owing consumer debt in North America is not a crime. Defaults on payday and title loans are not "fraud". They do inspire the majority of bogus "hot check" and "criminal charge" claims. We'll let the FTC and CFPB take it from here in skinnies on your rights.

FTC alert: "Fake Debt Collectors"
FTC blog: "Don’t recognize that debt? Here’s what to do."
CFPB Q&A: "Can a debt collection agency try to have me arrested?"