21/2 years ago I took out a payday loan and tried to make payments but could not afford them I was contacted by a lawyer and was told that they were taking me to court for fraud and that they would contact my employer and garnish my wages and the police would be investagating me . I owe $1685.35 but they would be charging me with fraud over $5000.00 what can I do?

Ultimate scare tactics. They can't do anything unless they have a judgment against you, BUT statute of limitations for unsecured debit is six years so you aren't even there yet. You will have to pay but they can't charge you for anything over and above what you already owe. And by the way, it isn't fraud; and forget about the police as well, that won't happen.