I live in the state of Texas, and recently I received a call at home & at my job. From someone with 1st IRS. Stating that criminal charges will be filed against me with my county, if I don't pay! For one the information he gave me in regards to the loan I do not remember. I was needing to know if charges can be placed on me for any online payday loan. & if So what can I do. Is this just a scare tactic, or is this possible in the state of Texas. Please Help!!! I also need to know if there are legitimate Payday Loan Consolidation help out there and where can I get the information.