The payday lender cannot have you arrested. They can submit the information to the police or prosecutor to review for possible charges. Based upon the information presented this seems unlikely. If they threatened to have you arrested, they may have violated consumer protection laws and the fair debt collection act.
They can, however, bring a civil lawsuit against you, which may be what they are referring to. You may want to attempt to negotiate payment of the loans with them.
You should retain an attorney to address this issue. The above answer is for informational purposes only and does not constitute legal advice. I have provided this answer only based on the information presented in the question. The specific actions or answers to this issue require additional information. The above information and answering this question does not constitute an attorney-client privilege. I am not responsible for any issues, problems or losses from any reliance on this answer and information, and the consequences of such reliance.
You are entirely safe from being sued or being arrested. Payday loans are illegal in Ct. They are perhaps the stupidest thing a person can do to their finances. Regardless of whether you paid the loan off or filed bankruptcy, the "sham" lender will pursue you contrary to all laws against them. You have been had. Pay day loans are con artists. If you were sued, they would have to manifest a physical address or entity that could be sued in turn under various consumer laws including the CCPA and The FDCPA. Incidentally, you will note that all communications have been by Internet or phone. You will not get them on paper. Furthermore, if you gave them any personal information, you should lockdown your credit report and expect some identity theft. Payday loans are thinly veiled deals with devils.
We can be reached at 203-870-6700. Our web address is: www. rosenbergandpress.com. Answers on Avvo are not to be considered a response to a specific legal issue in a specific jurisdiction - they are to be considered only general responses to hypothetical scenarios posed by the questioner. For specific legal advice, please consult with a licensed attorney in your jurisdiction. No information contained herein should be construed as a solicitation for business, an offer to perform legal services in any jurisdiction in which the attorneys of Rosenberg and Press, LLC are not licensed, or the dissemination of legal advice. No creation of an attorney-client relationship should be assumed or implied. We are a debt relief agency. Rosenberg and Press helps people file for bankruptcy relief under the bankruptcy code.