May 4, 2017
Doesn't matter. Not paying back a payday loan is not a crime, just as not paying back any type of loan or credit card, or any other type of consumer debt. This is simply a scare tactic used by extortionists.
Read up on your rights here and also make a complaint at this government site: http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices: http://800notes.com/faq/attorney-general