Your description is suspicious for payday loan extortion. The FBI is involved and accepting complaints. Here is one early FBI press release: http://www.fbi.gov/news/pressrel/press-releases/paydayloanscam_120710 Much more information is availalbe online.
Best wishes for a favorable outcome, and please remember to designate a best asnwer.
This answer is offered as a public service for general information only and may not be relied upon as legal advice.