I know there is tons here about Sonicpayday, i've done some reading. My specific situation is that I had a loan with them and some "things" came up and my account overdrafted and their debit from my account bounced NSF. I've now received "the call" that says that they will "escalate this to my employer". I currently live in Indiana. What can they do at this point. They've refused payments (even $400-$500/month payments) and said I have to pay in full. I am interested in the T&C that is mentioned, but can not find contact info.