Criminal Charges including theft against me from an online payday loan?

Recently I've had some financial trouble and made the huge mistake of taking out an online payday loan. I gave them all my info including my bank account info (told you bad decisions)...and they had deposited the money into my account. As sometimes happens, when it came time for them to collect my payment via... show more Recently I've had some financial trouble and made the huge mistake of taking out an online payday loan. I gave them all my info including my bank account info (told you bad decisions)...and they had deposited the money into my account. As sometimes happens, when it came time for them to collect my payment via debiting my bank account I didn't have the funds so I got defaulted, as well as a $35 NSF fee...this has happened 3 paydays now. I'm a single mom barely making ends meet (hence the need for a payday loan when my car broke down) so I couldn't meet the payments. They did try calling but I was always at work when they were open. Today I get a call from (they say) an attorney, who tells me they are pressing charges against me, one of which included theft! I didn't even know they could do that! He said if I don't make a payment of at least $200 today and the other $150 by the end of the week they will send investigators to my place of work to serve me and my employer orders to appear in court to handle this manner. Then he told me if it goes to court I will not only have to pay court fees and my loan but also face anywhere between 5 and 10 thousand dollar fines! My question is in the state of New Mexico, can payday loan companies really do this legally or are they just trying to scare me, and if they can what am I supposed to do? I can't find $200 by the end of the day I don't get paid till Friday! Please help!
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