I received a phone call from an attorney's office about an unpaid payday loan that I received about a month ago. They say that I owe 798.94, and that I must pay by July 3, 2010. They told me that if I do not pay 399.00 by th third of July that I will go to jail because they have criminal charges against me. But I dont have the money. Can they do that I thought that it would only go against my credit if an loan is unpaid.