Called me threatening that I will go to jail for 5 years because of a payday loan that I know was paid off. Said the commonwealth of Massachusetts was going to file felony charges on me at 3:00 p.m in district court. He told me my checking account was closed and it is not. He said he was calling to help me make arrangements in paying the payday loan off. Supposedly I still owe on a payday loan taken out on in May of 2010. Any payday loan taken out in the year 2010 to 2012 are illegal in the state of Massachusetts so Sayeth attorney general Martha coakley - state attorney general.