need addvice

I got a payday Loan in the amount of 250.00. I lost my job a couple of days after. So I no longer had a direct deposit and could not pay the loan back. I spoke with several rep from the collection department and tried to set up some type of arrangement for repayment. The company would not accept the payments I could make. I advised them there was no money in my bank account and they continued to try and process a check to my bank account. Every time the check was returned was charged 30.00 by my bank. Which put my acct negative over 300 dollars and the bank closed the account because it was negative for over 30 days. I also advised the collection rep that the account was closed due to the negative balance. Today I received a call from a company called cdr the guy did not provide me with a name, he tried to bully into paying 645 to this company and said if I did not pay they would press fraud charges against me. Since I did not agree to pay he hung up in my face. I am a resident of texas and I just need some advise on how to handle this situation. Can I please get some advise?:-(