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Can they do anything. Louise, you didn't say if you received your discharge of debts in that Chapter 13 bankruptcy, and if you listed that payday loan in your schedule of debts. If the answer to both questions is "yes", then you shouldn't owe them anything.
Send them a copy of your discharge cua variable rate personal loan debts. Those companies are known to lie about most anything to get you to pay them. I owe 9,000 mostly due to payday installment loans. I'm on social security and have over extended myself and cannot make all the payments let alone living expenses.
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If you have a government-backed loan, there might be other types of insurance you need to purchase.