Hello, I got a call from collection agency that said my debt for and old payday loan had been sold to them. I had lost my job, house and spouse IN 2010 AND Was unable to pay $250.00 loan back. Now they are telling me that they are going to have a warrant drawn up and I will be arrested. I just got out of school and am working trying to get back on my feet to support my kids. Can this really be done???