You will probably not be prosecuted it sounds like it's a scam however make sure that this does not involved in act where you at reading the bad check.
That's a complicated issue. Need more information. What's the alleged legal theory that would allow "jail?" MAY violate Chapter 75 "Deceptive & Unfair Trade Practices Act" of North Carolina.
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The collection agency is violating the Fair Debt Collection Enforcement Act and you should report them to your Office of Attorney General to reprimand them. You will not go to jail for a civil debt for payday loans. You go to jail when you are prosecuted for theft or another crime by the DA's Office, not a collection agency. We do not have debtor's prisons in the US.
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Can you be? Yes. Will you be? Highly unlikely. In order to convict you of fraud, they would have to prove that you intended to defraud them AT THE TIME you took the loan. How can they do that? Like I said, unlikely. That said, a collection agency's threatening you with jail likely violates federal, and perhaps your state, collection laws. If so, you could potentially collect monetary damages as well as recover your court costs and attorneys fees. You also potentially could have the collection agency sanctioned by their licensing authority and/or by North Carolina. Go see a local debt collection or consumer lawyer - many offer free initial consultation.
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