I also got myself into the payday loan trap, and today I received a summons in civil action. I owe Checksmart $599.50 ($575 + NSF fee). I want to pay it off, but they wouldn't negotiate payments with me. They wanted it all in one lump sum, and I just couldn't afford it. I don't want any more blemishes on my credit report. Is it too late to avoid getting a judgement made against me? What should I do? I 'm way too stressed out over this. What a nightmare! Even if they would let me pay 3 payments of $200 per payday, I could work it out. Why are they so rude and stubborn?