Legal Question in Civil Rights Law in Pennsylvania

No. To be sued, you have to be given written notice. Sometimes debtors move and service is made at an old address, but that is rare.

Payday lenders have to be registered with the PA Attorney General to be legitimate. If you obtained a payday loan from some internet site, the operators are probably outside the US and, although they will threaten to "see you in court" that has about as much chance of happening as me being kidnapped by aliens from another planet or seeing bigfoot.

If it is some foreign payday lender, my experience has been that it is useless to find these people - they are not located in the US and any US addresses that pop up are mailbox drops at a UPS store or similar type of place. All the callers are in India or somewhere overseas - they make all kinds of threats, none of which can occur. You will not go to jail. They will call and harass you, so you may want to consider changing your phone number. And definitely close your bank account so that they cannot attempt to withdraw funds from your account.

What I suggest that you do is tak with the PA Attorney General's office about this - they can assist and write a letter on your behalf. if it is a legitimate US payday lender, then you can arrange to pay back your debt. If its not, then I would not worry about it.

However, payday loans are bad things. These lenders are predators and they prey upon the weak and disadvantaged. No matter how bad things get, never ever take out a payday loan.