I live in Arizona and I received two payday loans last year, one from Bayside Loans and the other from Peppertree, they just called me and are serving me with court papers. They said that since I defaulted on my loans the lenders are looking to file criminal court charges. They said that I have until the end of June to pay them $700 or I will face criminal charges. I explained to them that I had lost my job and there was not much I could do but I am working now and able to pay the loans back. They said they will not file cease and decist papers with the court until they receive the money.