Criminal Action

I have a store front payday loan in Mississippi.The loan was for $325 I had renewed it a couple of times and then I couldn't afford to renew it again because of family problems.The lady sent me a voicemail saying for me to contact her or she would file criminal charges against me.That when the police showed up at my door there would be nothing she could do.Today a constable showed up at my house telling my mother that I had until Friday to come up with the money or I would be picked up and would have a felony on my record.I have talked to a few people and I am scared to death because I didn't mean for this to happen.I had lost my job and my husband was carrying all the bill on his on.He couldn't pay them all and we almost lost our house.I am stressed about this and scared that my kids are going to see me get arrested.I have been doing research and I had read that defaulted loans were a civil matter and not a criminal matter.We spoke to a friend of ours who said that when she threatened me she broke the law and that if a judge signed off on the criminal judgement he broke the law also.I don't know who is right.I don't know what to do I am scared and need help.