threats of issuance against my ssn for bounced checks

I am currently paying off a payday loan that i defaulted on in installments. i dont know the exact ammount, but i do know that i have paid them at least $100 more than i originally owed them. i would stop the payments (via a pre-paid credit card) but they have threatened to issue SOMETHING against my name and social security number. i was told that this could be considered as my writing and bouncing a bad check, which is a felonly in maine, where i live. however, this was all done over the internet. can they do this, and if so what are the penalties?

also, i have a 200 loan through rapidcashmanagement that i have been paying roughly $180 dollars a month on for the past five monthes. they have their money already. im considering not paying them anymore either. and they're from london, so it seems, so i dont know that they can really do anything.

let it be known that i am fully willing to pay what i owe plus any reasonable finance charges, but this is getting rediculous.

any advice would be greatly appreciated.

thank you.