Payday Loan Repayment Civil Lawsuit

In 2010 I had aquired a payday loan in Pima County, Arizona. I had to default on repaying the loan due to surgery and my inability to work. I contacted them prior and after, explaining I needed to set up a repayment plan after I returned to work 8-12 weeks later. The payday loan 'officer' refused to discuss a repayment plan that far in advance and said I would be contacted by their main office.

I never received anything from them until now (June 2011) in the form of a Civil Case. They have now added $500 plus in attorney fees, costs of $192.50; 10% per annum, and accruing costs that are not specified in the motion for judgement.

I do not deny owing the original $546.40 but I realize now the State of Arizona has removed these companies because of their dubious behavior.

Basically, I am looking for case law to present to the justice court judge, if any exists, that my sorry attempt to repay them after the original due date and their refusal at least gives me the help of not paying any additional fees they are trying to collect.

Thanks in advance!