<prompt> Human: First, this loan was taken out by my idiot self over a year ago and I completely forgot about it. I read through the summons and understand what its saying. I want to settle this out of court, however Im not sure how to go about it. The loan company is asking me for 1,197.39 for cost of incurred herein, attorney fees, and futhur relief the court may deem just. Please PF help me out with this. I would really appreciate it. Thank you.  <response>: less than 1200 for a 900 payday loan after over a year? Thats a pretty good deal, usually they are much higher than that, they are the scum of the earth IMO. 