In June of 2010 I was a bit straped for cash and contacted Loan Point USA online for a $400.00 payday loan, I was approved and my bank information accepted. I repaid the loan plus around $700.00, and the company said that they would not stop the drafting of $200.00 plus each pay period (every two weeks) that was automatically deposited. I lost my job at the end of 2010 and all my accounts were closed. It is now 2013 and I recieved a call from a Mickeal Brooks with Waldman and Associates in Texas threatening me with felony charges. What can I do about this? It seems like they are reaching or should I say robbing people and trying to say that they can legally do this, is this right?