<prompt> Human: I took out a loan in 2009, and failed to pay it back. The total is 815 dollars. They are telling me that I have 2 pending cases that they are going to file to the court in Dallas, Tx and have the police come and serve me papers to appear in court. What legal ramifications do I have, if any, in order to avoid this? Is this such a thing? If I lose in court, will I be sent to jail if I dont have the money to pay off the debt? This was from a payday loan establishment.  <response>: Make sure you know who you are talking to. There are so many scams where people say you owe THEM money for a loan and it is actually not the correct place and a scam. I almost paid it once. 