help in Indiana

Hello,

I have been reading through the posts and have finally gotten the courage to begin the steps to get out of this payday loan mess. So I have gone to the bank and attempting to close my account. She opened up a new account for us but I am having problems closing the old one since our car loan was attached to this one...I did put stops on the three PDL's: Sure Advance, Cash Direct Express and Paradise (Intl Equity) but not sure if that will be enough...I have already received a call from a collection agency, Alliance Asset and told them I had paid the loan in full and actually overpaid for Cash Direct. Also told them I had sent a letter to the company explaining this and then Alliance gave me their fax number so I sent them the letter too. Do I also need to send the certified letter to them or is this sufficient?

Finally I called FTC and Consumer Protection in Indiana and filed complaints because on top of all of this I was receiving voicemails from someone stating they were a sheriff and that if I didn't settle this debt they would send someone out to arrest me. The lady at Consumer Protection laughed and said this is a scam and to tell them I know it is a scam and have filed complaints...the only problem is I don't know how to make them stop calling me since I don't have an address for them or a name of an agency. I'm almost at the point of calling my cell provider and seeing if I can change numbers...

I am now afraid can any of these companies garnish my wages or take me to court for this? And what should be my next step? I am not very good at dealing with these companies because they make you feel so bad and are not nice people...thanks