What is the name of your state (only U.S. law)? Indiana. In 2009-2010 I got out a payday loan. I got sick and lost my job. In 2010 around April I was diagnosed with schizophrenia and bipolar disorder. I've been out of work ever since and on SSI. My mother's been calling me telling me a lawyer called her and threatened me with jail. So I called the number, they've been sending the summons and debt collection notices to the wrong address for the last five years. I tried to work out a way of paying them back since I just today found out they were after me. But they said my check bounced and so its a felony and my only option is it pay 612 in thirty days or turn myself in and stay 90 days in jail.