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No, debt jail is not real. Therefore, no one can come to your place of employment to arrest you for non-payment. They may have your name, address, SSN, employer's name and address, your job title, whatever. Still doesn't make their claim real. Avoid getting involved with payday loans or title loans, but if you must, only get involved with one or the other and only get an amount that you can afford to pay back twice a month. If those terms are not agreeable to you, then guess what, you don't need these sorts of loans. You'd be surprised at how willing your creditors actually are to work out an arrangement for payment and avoiding the payday or title loan scene altogether. Work with your banker to set a budget you can live with. Stop using debit cards for online purchases. Don't use your debit or credit cards at retailers either. Avail yourself with free credit check monitoring services, learn to use credit building offers, and protect your identity with a service like LifeLock(R). If you were to really be in deep trouble with a payday loan, you would have received numerous letters and phone calls from an actual attorney's office that can be easily verified, and officially filed judgments against you from your lender, listed as the Plaintiff. In that scenario, when you call, you may be able to negotiate a settlement offer or will suffer the consequences of a garnishment, which is by law no more than 25% of your gross wage earnings. So there you have it; the quick debt lessons for the day. As for this number, it is a total scam and should be blocked form your phone. Live smart. Live rich.