This is not really a Criminal Defense problem in spite of the threats that are being made, nevertheless you need to enlist the assistance of counsel to communicate with the outfit and act as your buffer. The tactics they are using may well be unlawful, but much more detailed information would be required to make that determination. I would expect that you could obtain competent counsel to help you without incurring a large fee. Because fees are not generally advertised, you have to talk to a few in your area to get a sense of the likely legal costs involved. Good luck.
I 'second' what Attorney Jones advised who is licensed in PA and I am not. Use the "find a lawyer" tab here on AVVO so that you can locate available PA attorneys to consult. As Attorney Jones indicated, much of the conduct you describe may be against the law but only a consult where you share your specific facts and circumstances can guide you in this instance.
Best of luck!
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You should consult with a consumer protection lawyer. The loan was likely illegal. The tactics used to collect are very likely to violate both federal and Pennsylvania Fair Debt Collection laws and consumer protection laws.