payday (check cashing) loan, defaulted

I took out a payday loan. When the check was due, I was unable to pay it and the company would not just take the Fee portion and renew the check. so it defaulted and the check was sent to run through my account, which bounced and overdrew my account. I got a letter notifying me of the debt due,after getting the account back to a 0 balance. I called and stop payment on the check so it wouldnt run through again overdrawing it again. When I spoke with the company i informed them I had done so. and I had recieved the letter stating it was due and I also mentioned I noticed the portion of the letter stating it was to collect a debt and if not notified within 30 days of disputing it would be found a valid debt. and I would take care of the debt before the 30 days was up. So she said ok and hung up. when she called back she said that statement on the letter didn't mean anything and I needed to come in today and pay it. I informed her I coudn't today. I did try to make an arrangement to come in the following week and pay. She informed me if had to be done today otherwise she was going monday to the court house to file suit. My question is if the letter was written 6/6/12 and event though the statement of 30 days validity is on the letter can they file suit Right Now with out waiting the 30 days as listed on their letter?