In 2011 I did something stupid. I took out a payday loan for $750 but I have since lost all the paperwork so I have proof of nothing. I was living with my MN ex at the time and he was the one to convince me to take out the payday loan. We were desperate at the time and he had me believing this was a smart thing to do. It wasn’t. Now it’s me stuck holding the bag.

I was never able to pay the loan back and all kinds of interest I didn’t understand was being tacked onto my debit card. I had to cancel the card to keep mysterious charges from continuing to be deducted from my bank account.

Someone called this morning threatening me with a civil suit. She wasn’t very nice about it. I wasn’t sure what to say. Stupidly I admitted it was me when she asked. I’m not good at thinking when I’m under duress, especially when I’m under duress and suffering from The Martian Death Flu.

This operation has been calling and harassing me for years and has even called my place of work (they no longer know where I work since I changed jobs). I know they probably won’t actually do anything but I still worry about it and don’t know what my legal rights are or if I need a lawyer (which I cannot afford). Should I just ignore these calls? Maybe I can settle with them for the $750 after I get my tax return but I have no proof anymore that was the amount I borrowed. I’m not sure what I should do but it’s causing me stress I really don’t need.

Never, ever mess with payday loans, especially the kind you obtain online.