I am getting calls from collectors for payday loans that i owe. They tell me that a case is being charged against me and if i don't pay someone will be coming to arrest me. Is this true? can they have me arrested? Can they get me in trouble with my employer? I have been paying them back, but while i am paying them off, the water at my house has been turned off and my phone has been turned off, because all of my money is going to paying off payday loans. There were 2 payments scheduled to come out of my paycheck yesterday and they didn't come out and i don't know what to do, I know they will be calling me. At the same time since the money is in my bank I was thinkning of paying my water bill, so they can turn my water on. I have 3 kids at home and my mother and no water. CAN SOMEONE HELP?