actually, with a payday loan--you could be charged with theft, especially if you never made a single payment. it looks to them like you got the loan with no intention of ever paying it back--and that is considered theft. now, they are certainly trying to scare you with the tactics they are using and that is not right. you just tell him you do not have the money and would be more than happy to set up a payment plan that you can afford. if they won't do that AND they actually sue you (which will take several months before they take the time and effort to process the paperwork)--when you get the paperwork, you contact the attorney on the paperwork and he will work out a settlement with you at that point. also--they will not serve your employers, your employers have no part in this. like i said--they are trying to scare you---they may serve YOU papers while you are at work, but they won't be serving your boss. your biggest mistake was never talking to them (well, besides getting a payday loan to begin with).
store manager for a payday loan company