I took out a payday loan about 4 years ago, went through some bad times and forgot about it. Recently a collection agency called my uncle and his mother in law looking for me. I contacted the agency and they said I had to pay by credit card or they would take me to court, I do not have a credit card and have never recieved a written notice. With my moms permission I gave them her credit number, but now stopped payment until I find out if what Im doing is right. I want to pay this bakc but I can only make small payments using a money order. Is this legal?? Can I really go to jail??