Credit repair

I received a call today and did not pick up for I did not recognize the number. When I checked the message, it was a threatening call saying I needed to call back. When I called back, I could not understand for the life of me, what the person was saying, because it sounded like a huge warehouse.
They say I owe 1095.00 and if I don't pay, they are taking me to court and say I am doing fraud. They will not give me any info and they pulled my record up from my phone #. Now I am scared and can't get any info for I have no idea what they are saying.

Is unitedcashloans.com an illegal pdl? I have already discovered that one I used is illegal "usfastcash.com Does anyone know about the legality of united?

Can anyone tell me if Cash Today and Cash Today Limited are the same company? I have been having money deducted from my checking account since June for a payday loan from Cash Today. I get a call today from someone from Cash Today Limited saying to call them because my bank account that I have on file with them has been closed. I have not closed any bank accounts.Just wondering if this is the same company.

I got an offer to settle with a payday loan company today for a refund. The offer was $300, but I held out for $400 since I have overpaid them over $500.00. I requested everything be in writing and payment by money order or Western Union Transfer. I got an email offering $400 but paid by check. I have been through 19 overdrafts with various pdls and I am closing my account and don't want to deal with a check. Any suggestions?

I keep getting threatening calls from some guys saying that they are going have a warrant put out for my arrest for a $150.00 loan that I paid over 200.00 for so I closed my account. Now they are also calling my 80 year old grandmother and terrifying her half to death with their threats.I say in my book that is harassment. I don't know how to get them to stop I asked them once to leave her alone but they keep it up. I am ready to get legal help and give them a taste of there own medicine. Do you think thats a good idea or give me some advice on what to do?

I have 8 pdl all on the internet. I am in Illinois. I think I am going to open a new checking account just in case. I spoke to someone here(My bank where I work) and this stuff has nothing to do with my job. Here are all of my mistakes. I must tell you that my sister died very young and unexpectedly in May. Shopping made me feel better and now I am more depressed!!!!
Ameriloan $350
Payday Online $400
Payday Services $300
Little Loan Shop $300
LoanShop $300
Loan Point $400
East Side Lending? $400
SGQ, LTD. $300

I took out Zip19 internet payday loan in 2011 it was for 400$. I have paid back more than 400 in fee's and they were even debiting my credit card without permission because I had (stupidly) given them my account information to make payment arrangements. Out of the blue I get a call that they are trying to collect on a balance. I live in Louisiana, What rights do I have to not pay them anymore money. How can I get them to quit calling me?

What can internet payday loans do to you if you do not pay or close your bank account?

I have 7 Payday loans and I live in New York. Here is the list of my loans and what I've paid:

I live in Iowa and I just found this website. WOW! I am physically sick because of all the payday loans that I have. I am trying to pay them but like many of you all I can afford is the fee. I just had a baby and now I cannot even afford the fees. I have read so many things here. Where do I start first. I have payments due in 2 weeks.