Has anyone had charges pressed againest them or been sued by a payday loan company ?

About a year ago i took out 4 payday loans over the internet to help with school ( i couldn't get financial aid), shortly after i lost my job of 5 years and i had trouble getting back on my feet. I keep receiving calls from collection agencies telling me if i don't pay them back they are going to press... show more About a year ago i took out 4 payday loans over the internet to help with school ( i couldn't get financial aid), shortly after i lost my job of 5 years and i had trouble getting back on my feet.
I keep receiving calls from collection agencies telling me if i don't pay them back they are going to press fraud charges againest me or that a sheriff will come to my home and serve me with papers.
I've asked them repeatedly to show me something in the mail breaking down what i owe.
And they say they did ( but i never see anything ) or that i can't contact the payday loan company directly because they sold the account to them.
So they want these crazy amounts of money, like $1,200 for a $300 dollar loan.
My question is what can i do ? can they press fraud charges againest me ? or sue me ?
please help i'm freaking out
2 answers 2