Help!!!! Can they really hold a spouse accountable.

I keep recieving very harrassing calls from Morgan Jackson saying that since I am married to my husband I will be taken to court for a bad check on a payday loan that my husband took out almost 4 years ago. He was laid off, therfore could not pay back the loan and defaulted on the contract, so they are now threatening me saying they are summoning me to court for a felony bad check, that I had nothing to do with. I never signed anything nor was I present for or participate in this loan. They are actually telling me that since I am married to him that i will be held responsible! As eell as that when summoned to court, monies/wage garnishments will be taken from MY checks. So I offer to help settle out of court so I wont be summoned and they want me to pay them on some prepaid debit card and Will not give me any information that I requested, like the payday loan contract or a copy if the check (in which I was a joint account holder) something seems a little fishy to me. So when I call back to get more info and state that I might need an attorney, they shut down and wont even give me the address to their so called office. Is this morgan jackson business even ligit? And why wouldnt they accept cash, money.order, cashiers check as form of payment? Why are they only wanting sone prepaid debit card? I have never head anything luke this before. Sounds like a scam to me...