I am pretty freaked out. I took out a 200 dollar payday loan with Ace Cash and have not been able to pay. A Mr. Simon has been calling me non stop tellin me I have been warned...and that I have to notify him by 130 pm today. I have already asked, repeatedly, if I can set up a payment plan(I am in the state of TX), and have been told no. I do not have the 500+dollars that my account is now up front, but yet I can not set up a payment plan.