I have 10 payday loans outstanding right now and have fallen even farther behind then before. I had a guy call me today telling me he was with the Duval county and they were going to issue a summons if I didnt call back. I called back and talked to a lady who said she was with the state attorneys office. After all collections I owed $3200 (I only borrowed $600 between these 2 lenders, one place was the same for 2 lenders). She said I had 4 charges pending and they could stop the charges if I set up a payment plan of $832 tomorrow and $416 my next 2 pay days.