I have six payday loans out and of course don't have money for food, gas, etc. One of the loans was due last week and I defaulted on it. After endless calls from this company - Cash Transfer Central - I finally returned my call. I told them I couldn't pay the entire amount off at one time and would make payments. They said the entire amount had to be paid off by 12-5-06 and if it wasn't, my payroll department would be contacted and they would garnish the money from my coming check. Can they do this without a court order?