Can a payday financial institution in Missouri file criminal costs when we default?

Can a payday financial institution in Missouri file criminal costs when we default? My better half took away a payday that is online in which he defaulted, they will have now delivered it to an assortment agency that claims we need to appear with more than a $1000 or they are going to begin unlawful fees. Can they are doing that? We are now living in Missouri. These little loans, also called “cash advance .