Nationwide Financial - or So They Say Ripoff keeps calling and threatening to have me arrested on fraud charges Nationwide

I took out 4 payday loans over the internet because i was in a bind. when the time came for them to start debiting my account i noticed that there were other people debiting it as well. there was a total of 4 or 5 other companies besides the payday loans that were trying to debit my account. i went to the bank to stop all ACH item withdrawls. so then these people started putting them through as electronic checks so after about a month of fighting with my bank and rude people hanging up on me at these companies and telling me that they didnt know what the money was taken out for but they couldnt put it back they would cancel the service (but i didnt know what kind of service it was) i closed my account. now i Keep getting calls from this Nationwide Finacial from a guy by the name of Scott Williamson ( fraud investigator) and them telling me that i am going to be arrested by the end of the day if i dont come up with $600. They are going to have me arrested on 3 counts of fraud wire fraud, bank fraud, and check fraud. please help me what do i do my husband and i are really scared, i tried to make arrangements but they want all the money and i dont have it or they want my new checking account info and i refuse to give it to them

Sally
Denver, Colorado
U.S.A.