smith loan assistance Ray Raleigh threanted me with jail time told me i was a fraud and needed to be locked up internet Internet

A VERY common scam, probably the most  common right now, is scammers pretending to be debt collectors, call and berate people into paying them with Itunes cards.  No legitimate debt collector would ever ask you to do that, they would ask you to mail payment or go to their website and pay online.  You've been had and you can kiss your $ you paid goodbye.

BTW: if you already had pre-arragements to pay this debt with someone else, why would you even bother a total stranger calling you, asking for money? Future going: when someone calls you or emails you, claiming you owe money, tread carefully.  If they start threatening you with jail or such nonsense, it is 100 percent a scam.