Ok so I have never needed to ask a question on here but I think I'm in trouble now. I took out a payday installment loan ( in Illinois) for $1,500 last year. I only made 2 payments and then it went to collections. I got a letter in the mail 1 week ago stating that they are suing me. I have to go to court on July 19th and the total with attorney fees is about $2,500. I have contacted them and they are willing to set up a payment plan without this going to court. 6 payments of $414, with at least 2 of those payments before July 19th.