worried

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Have you taken out the loan in Ohio or Georgia? This is because lending of payday loan is illegal in Georgia. Check out whether or not Ace Cash Express is legal. If you have taken out a loan from them and they are not legal, then you'll be only required to pay the principal amount. If they are legal, then you may be sued for non-repayment of the loan. Try
to settle the debt. If you are unable to settle the debt on your own, then get help from a reliable debt relief company.

The loan was taken out in Ohio after ohio passed a law that payday loans are not legal, but they were getting around the law by calling them short term loans. At the present time, I cannot even figure out who can lawfully collect from me. I do not know who has the legal right to collect for Ace cash Express. They are headquartered in Texas, so why is Georgia calling me?
There was a web sight I could go to try to make payments, but I cannot remember how to get into it. I have been out of work for over a year, but have just this month obtained substantial employment. My main concern is making arrangements with the wrong people.

Contact Ohio Division Of Financial Institution regarding this matter. They can tell you whether these are short term loans. You need to pay only the principal amount. This much I know.