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I hope a lot of people read this just to warn them against taking out payday loans. Thank you so much. I will follow your advice and will block their calls. I am in california and I recently had a collection agency for a loan taken out on the internet with multi loan source and this guy jim carter from texas threatened me saying there would be a warrant out for my arrest, so I back tracked to multi loan source who then gave me the to the collection agency 1 and then they referred me to collection agency 2 which I spoke to a Peter THomas which I sure is the same guy threatening me with an arrest using the alias name Jim carter, can a person be prosecuted for a loan by phone and this guy also told me I would not be able to file on my Bankruptcy.