A law firm called said I owe my old band 1200 for a payday loan that took place in 2006 they told me that if I don't pay half they will issuae a warrant for check fraud is this possible after 6 years

Depends on which state you are in.

If a law firm is threatening criminal prosecution to coerce payment of a debt this may be an ethical violation, exposing the attorney to professional discipline such as disbarrment. Check with the bar association in your state.

I've done some reserch and th ey threaten jail and arrest to a lot of people as scare tactic to get paymen what can I do and how do I know for sure it's a fraud it called riley james and associate debt collector 18884799480 they told me I had until 5 to pay or they would arrest me

Hello s:

You need to know the LAW on the subject. It's real simple, and not very long.. It's called the "Fair Debt Collection Practices Act". (http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf) READ it. When you KNOW what your rights are, you'll be able to DEAL with these crooks.

excon