returned (bad) check penalties

hi,

a legitimate payday advance company in MI charged me 3times the amount of my loan as a penalty for a check being returned and defaulting on the loan without repaying.they won a judgment for the amount under the bad check laws. i read somewhere that those laws do not apply to payday advance transactions from someone in the government. i can't find that article on the MI gov. website but it's somewhere. they suggested reporting any violations to the government.
is it to late to do anything since the judgement was already handed down and now a garnishment and installment order have been put in place and i have defaulted on the installment order?

thanks

i have 9 internet pdl i'm about to battle thanks to your help here.