Hi guys. I am new to this forum. I have a quesiton. I took out a payday loan of only $150 off the internet. this was I believe 2 years ago. I got a call from Tyler and Morgan. They said that my account was given to them and that it is the last straw. The told me that they will take me to court. I live out in Hawaii. I was like wow for a $150. That is crazy. But they were saying a lot of stuff to scare me. I have every intention of paying it back but have been struggling. $150 doesnt sound like much but it is when you have a lot to pay.