Global Payment company

I had about six checks written to the local casino totaling $3k. They were honored by a company called Global Payments. It’s a complicated story but in the short I was doing 30 day deferred checks, depositing to cover the previous months checks, and so on and so on. Then the casino flooded and closed for 20 days and my world crashed. Now I have $3150 worth of checks, the inability to initiate a 30 day deferred due to NSF, and they are calling to get payment. I owe it, no doubt, and I told them that but I can’t pay all at once. They are going to turn me over to their collection/Attorney for collection. The caller stated I will no longer be able to write a check to any facility (including the casino, which is a good thing) and my name will be ruined. Not sure if that statement is legit or a “scare tactic”. Any advice how to proceed? Do you think I can set up a payment plan and not have my ability to write checks to my local grocer jeopardized? HELP.