Am i going to jail for fraud?

I got myself into quite a mess with payday loans a while back. Most of the places I have been able to set up payment plans, but one place said they could only take the money out of my bank account (which is frozen) anyway some guy from this place called and said I have till noon today to come up with $935 or it is going to be reported with fraud and Im going to jail. I dont know what to do. I'm 9 weeks pregnant and im not handling this well...juts kind of freaking out right now. I;m waiting for an attorney to contact me but I'm scared of what he will say. Just wondering if anyone knew anything about these things.