<prompt> Human: So three years ago, I took out several payday loans and let at least one of them go into default. I was suffering from clinical depression and made a bad decision. Last year, I believe the payday loan company called my boss, best friend, aunt, sister, and father claiming I owe them money, asking me to pay up, or they will issue a warrant for my arrest. I told them to stop calling and to contact my attorney.A few days ago, because of the Equifax breach, I checked my credit for all three branches. Strangely, the payday loans were not on the reports, and everything else was. I have a hard time thinking those companies just let go of those debts, and it kind of spooks me that they had not reported to the credit bureaus. Texas does not allow wage garnishment, and I have literally zero property, assets, or income they can confiscate.Presuming I let these debts go and forget about them, what is the absolute worst case scenario down the line?Also, please understand I know what a bad decision this was. My circumstances were untenable back in 2014, and whats done is done. I just need to know what legal and financial ramifications are waiting for me, and what I should do about them pre-emptively.  <response>: Dont pay them. Document all contact with them and I would suggest contacting an attorney that experiences in debtcollection practices, the way they are trying to collect the debt is illegal. You will not go to jail and they cannot threaten you with jail. They must be able to identify themselves when contacting you too, where theyre calling from and their address because you have the right to provide written notification to them to have them stop calling you and only contact you via mail or served for a court date. They wont serve you, and if they do they are either dumb or expecting ignorance - they can be penalized for the way they are trying to collect the debt. 