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Jul 17, 2014 State Rep. Gary Elkins (R-Houston) has a certain attachment to Texas' payday loan business. After all, he helped pioneer the current model, in which payday lenders operate as “credit service organizations” and can avoid Texas' laws against usury. Elkins owns a chain of payday stores across the state and pay day loans in gauteng [$] payday Payday loan judgements in texas in ohio cash advance Payday Loans Pasadena Texas ~ Personal Unsecured Loans ~ Bad payday loan industry regulation You cannot be arrested for non-payment of a payday loan. They can sue you, but the debt may indeed be barred by the 4 year statute of limitations in Texas. You can send them a letter demanding they cease calling you. You can also send them a debt dispute/debt validation letter. Here is an example you can use. Bear in Payday Loans Alternative in Dickinson TX | Cash Advance