will payday creditors call and harass me or my family members or employer?

Creditors and collection agencies are not supposed to call you at your work, except to make sure that you are employed. If they are calling you at your work even after verbally telling them not to, they are violating fair debt collection practices act and can be sued. If they are calling at your home, send them a written notification that they must stop contacting you. In short, you have the legal means to stop them from contacting you.