Q: I have defaulted on 2 pay day loans a couple years ago and tried to work out a payment plan. I have been getting harassing calls and threats that there is a warrant for my arrest. (Butler, PA)

A: Arrest warrants come from criminal court and bench warrants from family court. There are no arrest warrants issued for not paying a civil debt. Secondly, this pay day loan company most likely did not successfully sue you and obtain a judgment. Pay day loan outfits are generally scam artists. They are just trying to scare you into paying them by threatening arrest. Either pay them back, or change your phone number.