payday loan

I too have received multiple calls from Zimmerman and young both on my personal cell phone and work phone. I finally called them back this morning and explained that I did take a payday loan and then the loan company started taking money when I did not expect them to and overdrew my account so I closed that account but did nto contact the loan company to make other arrangements. Zimmerman and young left a message that court papers would be coming my way so I called them back and have a settlement coming out of my account on Monday April 1. Did I do the wrong thing? Mary Jane