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i got an online payday loan a year ago and received a call from a "law firm" stating I was being sued in my county for the amount of "bad check" they presented to my bank for repayment of the loan. the rep on the phone said that according to "penal code 503.27" i can be sued in court, a judgement can be entered against me and I can have my income tax withheld, licence suspended, wages garnished, etc. Is this true?