Summons threat???

I had some payday loans back in 2009. I closed my account and sent out letters that stated the interest rates that they were charging were against my state's law (which it is) I stated that because of the payments I had made equaled or was more then the amount I borrowed my debt was paid in full. I recieved letters back from 3 of the 5 stating that they were marking my account paid in full. As for the other two I never heard anything again until this week. There is a company calling me stating that I wrote a "bad check" (the ACH debit that did not go through). They now have a summons in hand for fraud. I told the company who would not state their name clearly that I wanted verification of the debt since they would not tell me what payday lender it was through. The person on the other end stated they did not send out verification since it was now a legal matter and all the information would be in my summons. I told her to go ahead and serve me that I would be at home that day at 4:30. Guess what no one showed up...They have also been calling any realtive of mine that has the same last name as me that is listed in the area and been leaving personal information on their answering machines. Is there something I should do? Should I be worried?