No, you won't be facing any "charges". Being in ordinary civil debt is not a crime and you cannot be arrested for it. Defaulting on a payday loan is NOT a crime. Do not talk to these people. Do not give them any information. This is a debt collection scam.
Just because someone on the phone calling you says you owe a debt does not mean you actually owe it.
If a voice on the telephone claims you owe a debt:
1. Demand the person give you his or her name, company name, and address
2. Demand a debt validation letter by US mail. E-mail no good.
3. Do not pay the collection agent or anyone else a dime until the debt is validated
If they are bothering you, report them:
http://www.consumer.ftc.gov/articles/0149-debt-collection (Threatening criminal process in order to collect a civil debt is a clear violation of the Federal Fair Debt Collection Practices Act.)
Just got off the phone with these people theybsaid i had felony warrants for payday loans and it was scheduled to be done today at 2pm and i needed to pay the hardship of 832 or be arrested. They scared the crap out of me i almost gave them my credit card information. But thought id check this out first
Something like that even if you never finished paying it back, the company charges off. Unless it was like tens of thousands of dollars. It like a payday loan or something. They will not spend the money and time trying to get felony charges on people