Ace cash express

I had a pdl with ace cash express(storefront). I live in az. I could no longer afford to pay the intrest, so i defaulted on the loan, because my work hours were cut. It went to ace cash express collections at the begining of august. I paid $40 last week, and they called today and said if it was not paid off ny the end of sept. it would go to the recovery department. She said the recovery department would contact hr and begina civil suit. There is no way i can pay it off by then. I told them i could make another payment on 9-24. she said ok, but it still had to be paid off by the end of sept. I can only afford to pay them once a month. What do you think will happen now? I really am trying. I have 6 other pdls that i am paying on monthly. Whjen my hours were cut I had to default on them . I am paying each one $40 a month right now because that is all i can do. For a civil suit, what will happen, can they do that if i am making payments? Will a cop come to my house to serve papers? please any advise would help. I am very scared.