Did they show you paperwork.

have received numerous with threats of arrest for unpaid bill.

You are a liar and probably are one of these scammer yourself!  Shame on you!

We do not have Debtors Prisons in the USA.  Even IF you owe a legitimate debt, there are very specific processes legal debt collectors MUST go thru to collect.  Even then, if you don't pay, unpaid debts are a CIVIL matter and NOT a CRIMINAL matter.  You CAN NOT be arrested for not paying a debt - even a legal one.  The worst that can happen is the people that you owe money too can file a claim in civil court.

And since most State's have laws on online and payday loans, and even license and regulate lenders, you will find that many of these online and payday loan companies are NOT licensed in your State and are thereby operating ILLEGALLY.  Many of them are not even in this country (hence the Hindi accent)!!!  Guess what - ILLEGAL LOAN = INVALID LOAN.  You owe them nothing, it is null and void.

Crawl back in the hole you came from and stop trying to scare good, honest, hardworking people, Sandra (or Sanjay or Sandhi or whatever your real name is).

We don't believe you.  You are a liar and a fraud.  Either you or your husband might have been arrested for committing criminal fraud and extortion over the phone.  They you rats show up on boards posting your fake information to make the scam look legit.

Please crawl back from under the rock you cam from you varmit!

What part of "You CANNOT be arrested for a debt" are people not getting here? The laws on debts in the US & Canada are VERY specific. Read over the laws of what debt collectors can/cannot do (not that they all follow it), & remember - you MUST go to court for a debt collector to have ANY judgement against you. As well, court dates are a matter of public record. If you get a call (from these fakers) & they say you have a court date (not that these frauds will send you anything) check your City, State, Province web sites. In court you can contest the debt, & the collection agency must prove the debt. As well, even if you do owe (a REAL debt) you can get the Judge to arrange a settlement & payments. It's not black & white. If you see ANY comments on 800 notes from ANYONE who says they were arrested over a debt - IT. . . IS. . . A. . . LIE!