What is the law in Missouri if you did'nt pay back a payday loan.?

About a year ago I had taken out a pay day loan. I could'nt pay it back, so I took out another and another and got caught up in the payday loan mess. I thought I had paid them all off. Yesterday I received a call that if I did not pay it back by 5pm that they would file 3 criminal charges against me at 9 am... show more About a year ago I had taken out a pay day loan. I could'nt pay it back, so I took out another and another and got caught up in the payday loan mess. I thought I had paid them all off. Yesterday I received a call that if I did not pay it back by 5pm that they would file 3 criminal charges against me at 9 am today. I took out a loan for $300 and they want 2,975. I can't come up with that and they will not let me make arrangemenst. He said that they would be contacting my employer, which because where I work I will loose my job. What should I do?
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