Angel - Did you have your court date yet?  DId it turn out to be anythign?  I had payday loans in the past adn after payign them over 1000% interest an attaorney advised me to stop paynig and I sent them a letter that covered me leagally.  I could have actually sued them!  So I don't know what this could be - most likely fraud but if you had a court date it really worries me.  I relaly hope all worke dout for you!  Please let me know!