don't believe it!!! I have been dealing with these type of companies for a couple of years now. I had a payday loan in 2006 which I paid off and they have said I was going to have a warrant issued, they were going to garnish my wages, they were going to serve me with papers and all of the other threats they seem to like to say....let's just say I have gotten my license renewed, gotten my car registered, have even been pulled over and given a warning from a DPS Trooper and guess what!!!??? No warrant is out...what they are doing is against the law.  You need to know the consumer laws regarding your state when dealing with these morons...in Texas a debt collector can not garnish wages unless it is ordered by a judge, they can't put a lien on any of your property and they can't arrest  you (there is no debtors prison). Oh and by the way, still waiting for the 48 hours to be over and be served at my place of business and I'm still waiting to be arrested (been at least three years)