I live in PA and I took out an online payday loan with plain greens over two years ago. I've only paid the finance charge once and had to stop the payments because I was so far behind in everything else. I am now receiving calls from Queen City Arbitration. I am willing to make $100 dollar payments biwkly to pay off the $600 loan. However, Natalie from Queen City Arbitration says that I can pay $100 biwkly, but will have to pay a total of 1650.00 if $600 is not paid by the end of November. What can I do?